Travel Insurance Frequently asked questions

Please find below a range of frequently asked questions about Holidayrisk Travel Insurance and our products.

If you can’t find an answer to your question, or would like some further information please call us on 020 3859 7000 or email us at cs@holidayrisk.com.

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IMPORTANT INFORMATION ABOUT CORONAVIRUS (COVID-19)

Full details of what is covered and what is no covered, including any conditions or limits of cover, can be found in the policy wording. Please ensure you read your policy wording and your policy schedule to ensure that the cover we are able to offer meets your requirements.

For more details on how this may affect you, please click here to visit our Coronavirus Cover Fact Sheet.

Full details of the cover our policies provide, can be found in the Policy Wording.

Can Holidayrisk provide cover for existing medical conditions?

Yes, we can cover a wide range of pre-existing medical conditions. Please call us on 020 3859 7000 or get a quote now by clicking here.

Who do I contact in the event of a medical emergency?

Please contact the Medical Emergency Assistance Company as soon as possible on + 44 (0)1444 465579. They are available 24 hours a day, 7 days a week.

What is IPT?

IPT is Insurance Premium Tax. It is a government levied tax applicable to all policies and is at the current rate of 20%. IPT is included in all of our prices.

What happens if I need to cancel my trip due to ill health or injury?

You are covered up to the amount shown in the cover summary within the policy wording if the cancellation of your trip is necessary and unavoidable as a result of you dying, becoming seriously ill or being injured.

Is the country I’m travelling to classed as European or Worldwide?

Our country geographic definitions are provided in our policy wordings “see Area of validity” and there is also an information link next to the destinations drop down on our quote page.

Does your annual policy cover trips within the UK?

Yes, cover is provided for trips in the United Kingdom provided that your trip is pre-booked and at least two nights in duration. It cannot include travel with the intent to receive health care or medical treatment of any kind, or moving, or commuting to and from work.

What happens when my annual multi-trip policy expires?

We will write to you at least 21 days before your annual multi-trip policy expires to remind you that your policy is about to expire.

What is an excess?

If you need to make a claim under certain sections of cover where an excess applies, we will deduct the amount of the policy excess from the sum we pay you for any valid claim. The excess will apply to each person claiming and to each incident and to each section of the policy under which a claim is made.

What is an excess waiver?

On our Silver and Gold policies, you can pay an additional premium to remove all excesses from the policy. Please call us on 020 3859 7000 for further details.

Do you cover Repatriation?

Yes, repatriation (where it is medically necessary) is included under Section G Emergency Transport of our policies. If you need to be repatriated back to the UK you must, in the first instance, contact the Medical Emergency Assistance Company on + 44 (0)1444 465553. They are available 24 hours a day, 7 days a week.

Are we covered if we travel separately on a family or single parent family annual policy?

Yes, all insured persons are insured to travel on their own, although children must be accompanied by a responsible adult.

Are my personal possessions and baggage covered?

Yes, your personal belongings and baggage are covered up to the amount shown in the Cover summary within the policy wording.

Do I need to take all my policy documents with me when I travel?

We always recommend that you take your full policy wording and policy certificate with you.

How many times can I travel on a Holidayrisk annual policy?

All our annual policies cover you for an unlimited number of trips during the year, providing each trip does not last more than 32 days. This trip limit can be increased on some cover levels, if you pay an additional premium. Please call us on 020 3859 7000 for further details.

Do I need to tell you every time I travel on an annual policy?

No, you do not need to tell us each time you travel, providing you are still travelling within the destination area covered by your policy and your trip is not for longer than 32 days. If you plan to travel for a longer period please call us on 020 3859 7000.

I am travelling today. Can I buy a policy?

Yes, as long as you haven’t commenced your trip.

Do your policies have a maximum age limit?

We are able to provide cover on all our policies, for customers aged up to and including age 75 years of age.

What is the maximum trip duration on my annual policy?

All our annual policies cover you for an unlimited number of trips during the year, providing each trip does not last more than 32 days. This trip limit can be increased on some cover levels, if you pay an additional premium. Please call us on 020 3859 7000 for further details.

Does my annual policy cover me for skiing?

If you have selected and purchased the winter sports option Activity Pack 5, then you are covered for winter sports.

What is the maximum duration for a single trip policy?

We can cover single trips up to 90 days in duration, dependent on your age.

Do you sell group travel insurance policies?

Yes, we do. Please call us or email us at cs@holidayrisk.com

Is your travel insurance only available to UK residents?

Yes, we can only provide cover if you are permanently resident in the UK.

Who is eligible for a Holidayrisk travel insurance policy?

This policy is only available to you if:

• You are a permanent UK resident and registered with a GP in the UK.
• You are purchasing the insurance while in the UK.
• Your trip starts and ends in the UK.
• You are not travelling against the advice of a doctor or where you would have been if you had sought their advice before beginning your trip.
• You are not travelling with the intention of receiving medical treatment.
• You are not travelling to a country or area where prior to your trip commencing, the FCDO office have advised against all travel.
• You have provided full details of any current or past medical conditions.
• You are not awaiting any tests, investigations, or surgery for any undiagnosed medical condition.
• You will tell us of any change in health after you have purchased this policy.
• You are not buying this policy with the reasonable knowledge or intention of claiming.

Can I travel if I am pregnant?

We do not class pregnancy as a medical condition...

How is my policy delivered?

We can deliver your policy by post and by email.

When will my documents arrive through the post?

If you have chosen postal delivery, allow up to 10 days.

I've lost my documents. How do I retrieve them?

If you have lost your policy documents, please call us.

I've left the UK and forgotten to get insurance. Can I still get cover with you?

Unfortunately, we are not able to cover you if you have already left the UK.