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 .
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.
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 .
Please contact the Medical Emergency Assistance Company as soon as possible on + 44 (0)1444 465570. They are available 24 hours a day, 7 days a week.
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.
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.
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.
Yes, cover is provided for trips in the United Kingdom provided that your trip is outside your city/town of residence, at least 100 kilometres away from your primary residence and includes an overnight stay.
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.
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. If you have any questions about how to purchase a new policy, please contact us to speak to a member of our sales team.
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.
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.
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.
Yes, all insured persons are insured to travel on their own, although children must be accompanied by a responsible adult.
Yes, your personal belongings and baggage are covered up to the amount shown in the Cover summary within the policy wording. Please see our 'Policy Details' page for further details.
We always recommend that you take your full policy wording and policy certificate with you, which contain important information.
All our annual policies cover you for an unlimited number of trips during the year, providing each trip does not last more than 31 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.
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 31 days. If you plan to travel for a longer period please call us on
Yes, as long as you haven’t commenced your trip, you can buy a policy for travel today please call us on 020 3859 7000 or visit www.holidayrisk.com
We are able to provide cover on all our policies, for customers aged up to and including age 75 years of age. Age is at the date the policy is purchased.
All our annual policies cover you for an unlimited number of trips during the year, providing each trip does not last more than 31 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.
If you have selected and purchased the winter sports option Activity Pack 5, then you are covered for winter sports subject to paying an additional premium.
We can cover single trips up to 90 days in duration, dependent on your age. Age is at the date the policy is purchased. Please call us on 020 3859 7000 for further details.
Yes, we do. Please call us on 020 3859 7000 or email us at cs@holidayrisk.com
Yes, we can only provide you with cover if you are permanently resident in the United Kingdom: England, Scotland, Wales, Northern Ireland and the Isle of Man.
We do not class pregnancy as a medical condition but airlines, cruise liners and ferry companies will have their own restrictions due to health and safety requirements. You should check with them or any other transport companies you propose to use before you book.
Please make sure that your G.P. and midwife are aware of your travel plans, that there are no known complications and that you are not travelling against any medical advice.
As is consistent with the treatment of all medical conditions under the policy, the policy does not cover the costs or losses for any consultation or treatment associated with normal pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The policy does, however, provide cover if complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery.
We can deliver your policy by post and by email. Please be aware that the posted documents can take up to 10 working days to arrive. The emailed documents can take up to 5 minutes to arrive in your inbox.
If you have chosen to have your policy documents posted to you, you should allow up to 10 days between you buying your policy and receiving your documents. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don't arrive in time.
If you have lost your policy documents, and would like your documents resent or, if you have any other problems accessing your documents online, please call us on 020 3859 7000.
Unfortunately, we are not able to cover you if you have already left the UK.