• 24/7 access to UK based GP
  • Cover for 1,000's of medical conditions
  • £10m medical cover
  • 14 Day Cooling Off Period

From 1st March 2020

The first thing you will notice about the new policy wordings is the format, they have all been updated to move to our A5 format as part of our drive to make our wordings clearer and fairer to customers, and our claims teams.

Below is a list of changes applied to each policy wording:

Basic Single Trip & Multi Trip

  • Trips within your home country are not covered if less than 3 days on any one trip.
  • Cancelling your policy, Multi-Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
  • ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
  • New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
  • Policy excess where applicable has been updated from £200 to £199.
  • ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign and Commonwealth office advises against all but essential travel within a 30-mile radius of your trip destination.
  • Your travel policy – Trip Disruption, If you are delayed – Cover has been updated from £10 for each 12 hours up to £150 in total, to £25 for each 12 hours up to £250 in total.
  • ‘If you miss your outbound departure’ previously covered at £250, with no cover applying for ‘If you miss your outbound connection’ has been updated in the new policy to have one combined section called ‘If you miss your departure or onward connection’ and cover provided for £500.
  • New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

  • £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
  • £100 for each 24hour period up to £700 maximum for additional accommodation.
  • £30 for each 24hour period up to £210 for food.
  • £150 for emergency replenishment of baby essentials or prescription medication.
  • ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
  • ‘If you are admitted to a public hospital’ cover now included for 2020! Coverage is provided for £20 per 24hour period, up to a maximum of £500.
  • ‘If your checked in baggage’ now included for 2020! Cover is provided for £100 for the purchase of essential items if you are without your checked-in baggage for more than 12 hours.
  • Lost or stolen cash section has been extended to included event tickets.
  • ‘Emergency travel documents’ cover now included for 2020! This includes £100 towards the cost of additional travel and accommodation that you have paid to collect your emergency travel document, and £50 towards the actual cost of the travel document.
  • If you are mugged section has been removed from the policy.
  • If you are hijacked section has been removed from the policy.
  • ‘If you are killed, injured or disabled following an accident’ section has been increased from £5,000 to £10,000.
  • ‘If you need legal advice’ section has been increased from £5,000 to £20,000.
  • Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
  • Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
  • Optional Gadget extension claims assessors have changed to Taurus Insurance Services.

Standard – Single Trip and Multi Trip

  • Trips within your home country are not covered if less than 3 days on any one trip.
  • Cancelling your policy, Multi Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
  • ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
  • New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
  • ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign and Commonwealth office advises against all but essential travel within a 30-mile radius of your trip destination.
  • Your travel policy – Trip Disruption, If you are delayed – Cover has been updated from £10 for each 12 hours up to £150 in total, to £25 for each 12 hours up to £250 in total.
  • New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

  • £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
  • £100 for each 24hour period up to £700 maximum for additional accommodation.
  • £30 for each 24hour period up to £210 for food.
  • £150 for emergency replenishment of baby essentials or prescription medication.
  • ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
  • ‘If you are admitted to a public hospital’ has been updated to now cover £20 per 24hour period, up to a maximum of £500.
  • Mobility and disability equipment cover removed from the policy.
  • Lost or stolen cash section has been extended to included event tickets.
  • If you are mugged section has been removed from the policy.
  • If you are hijacked section has been removed from the policy.
  • ‘If you need legal advice’ section has been increased from £15,000 to £20,000.
  • ‘If your return is delayed due to air rage’ has been removed from the policy.
  • ‘Pet care’ has been removed from the policy.
  • Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
  • Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
  • Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
  • Policy excess reduced from £100 to £99.

Premier – Single & Multi Trip

  • Trips within your home country are not covered if less than 3 days on any one trip.
  • Cancelling your policy, Multi Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
  • ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
  • New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
  • ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign and Commonwealth office advises against all but essential travel within a 30-mile radius of your trip destination.
  • ‘If you miss your departure or onward connection’ has increased to £1,000 for either event.
  • ‘If your end supplier fails financially when you are away’ increased from £1,000 to £3,000.
  • ‘If you are admitted to a public hospital’ has been updated to now cover £20 per 24hour period, up to a maximum of £500.
  • ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
  • Gadget extension claims assessors have changed to Taurus Insurance Services.
  • Gadget eligibility not being more than 48 months old at the start of the trip has been removed from the policy.
  • Lost or stolen cash section has been extended to included event tickets.
  • If you are mugged section has been removed from the policy.
  • If you are hijacked section has been removed from the policy.
  • ‘If your return is delayed due to air rage’ has been removed from the policy.
  • ‘Pet care’ has been removed from the policy.

Backpacker/Longstay – Basic

  • We have combined the policies for 2020 and created 2 new cover levels, Basic and Standard.
  • ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
  • New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
  • Includes cover ‘if you are unable to go on your trip’, or ‘if you need to come home early’ up to £750.
  • ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign and Commonwealth office advises against all but essential travel within a 30-mile radius of your trip destination.
  • ‘If you need medical treatment abroad’ increased to £5,000,000.
  • ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
  • Lost or stolen cash section has been extended to included event tickets.
  • ‘If your possessions are lost, stolen, damaged or delayed’ has been increased to £1,000.
  • Cover provided if you need emergency travel documents, up to £150.
  • Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
  • Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
  • Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
  • Max age 55 years / Max trip duration 24 months.

Backpacker/Longstay – Standard

  • We have combined the policies for 2020 and created 2 new cover levels, Basic and Standard.
  • ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
  • New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
  • ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign and Commonwealth office advises against all but essential travel within a 30-mile radius of your trip destination.
  • New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

  • £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
  • £100 for each 24hour period up to £700 maximum for additional accommodation.
  • £30 for each 24hour period up to £210 for food.
  • £150 for emergency replenishment of baby essentials or prescription medication
  • Lost or stolen cash section has been extended to included event tickets.
  • If you are mugged section has been removed from the policy.
  • If you are hijacked section has been removed from the policy.
  • Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
  • Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
  • Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
  • ‘If you cannot use your pre-booked accommodation’ section has been removed from the policy.
  • Max age 55 years / Max trip duration 24 months.

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