Travel Insurance FAQs
We have compiled a list of our most frequently asked questions and hope that we can answer any queries that you have regarding our travel insurance products.
In order to help you to find the question you are looking for, we have separated them out into the following categories. Please select from the category you are interested in and a full list of questions will appear.
If the question you have is not answered by our FAQs, simply contact us using our online enquiry form.
General Travel Insurance Questions
- What cover is available under my policy in relation to Coronavirus or FCO change in advice?
From 16th March 2020, there is no cover under this policy for:
- Cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises you not to travel, for example where the FCO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2) or any mutation of Coronavirus, COVID-19 or SARs-COV-2.
- Any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above.
Except for the Emergency Medical Expenses section.
We will still provide cover for emergency medical expenses and repatriation if you need emergency medical treatment whilst away.
This will only apply if you did not travel against the published advice of the FCO, any local government, local authority or WHO.
- I have just bought a policy online, when will I receive my travel insurance documents?
- You will receive an e-mail shortly with your policy documents attached for you to print off and keep for your records. If you do not receive an e-mail from us within 24 hours of purchasing online, please e-mail email@example.com
It's also worth checking your junk mail inbox to make sure that it hasn't been filtered and filed away where you can't see it!
- How will I receive my travel insurance documents?
- Once you have completed the payment process we will send you a confirmation e-mail with your policy documentation attached. This will include the policy wording, Insurance Product Information Document and policy schedule.
- Do I need to take my travel policy documents away with me?
- Yes, your policy documents will contain critical information on what to do in an emergency - such as the number you need to call for emergency medical assistance. It also gives you the full details of what you're covered for and what you're not covered for. For example you may want to find out before taking part in an activity that you are covered!
- I'd like to shop around first, is it possible to save my travel insurance quote and come back later?
- Yes. We will send you an email with details of how to retrieve your quote.
- Can I contact Insurewithease.com by telephone?
- Yes you can contact us by phone, please call 0844 334 0155, Monday - Friday 9am - 5pm (exluding Bank Holidays).
- How do I pay for the travel insurance
- You can pay for your travel insurance using all major debit or credit cards with the exception of American Express and Diners Club.
Travel Insurance Product Questions
- Do you offer annual travel insurance?
- Yes we do, and it could end up saving you money! Holidaymakers taking more than one trip in a year are advised to consider an annual travel insurance policy. Not only could it save you money but it's also a lot less hassle and means you can arrange it at the beginning of each year and forget about it until your renewal date comes around. What's more, Insurewithease.com will send you a reminder e-mail when your policy is coming to an end so that you can get straight back online to renew.
- What's the difference between annual travel insurance and Annual Multi-Trip Travel Insurance?
- Nothing at all - they're exactly the same. The annual travel insurance and Annual Multi-Trip Travel Insurance policies mean you can travel on as many trips during the 12 month policy length provided that each trip does not exceed the number of days stated in your policy wording.
- Why should I take out an annual insurance policy?
- If you are planning to take more than one trip this year, arranging individual single trip insurance policies for each holiday not only takes up lots of time, but you could also end up paying over the odds. With the availability of low cost airfares encouraging us to take more holidays and short breaks than ever, annual travel insurance policies have become the more convenient and cost-effective way to arrange travel insurance.
- Do you offer single trip travel insurance?
- Yes we do, if you are just taking one trip this year, then our single trip travel insurance is the most suitable policy for you. You can choose to select winter sports cover, as well as golf and wedding cover as extra with our silver & gold single trip policies - these options will be shown to you when you complete your quote.
- I'm 70 and have found it hard to get travel insurance, do you offer insurance for people over 65?
- We can offer single trip travel insurance to people aged up to 75 years old.
- Do you offer discounts for family travel insurance?
- If you are travelling with your family you will want to make sure that all members have the appropriate level of travel insurance cover. We offer families the chance to save significant amounts of money by providing FREE cover for your children under the age of 18 on all our single trip policies! Simply fill in your children's details when you complete the quote, selecting the correct age band for each child, and we'll make sure that all children under 18 are included on your policy for free. We also offer discounts for families on all of our annual policies
- Do you offer gap-year/backpackers travel insurance?
- Yes, we offer a travel insurance policy specifically for people going travelling or backpacking, whether it's during a gap-year or not. We have arranged the most appropriate levels of cover for people who will be out of the country for between 31 days and 12 months.
Get a quote for backpackers travel insurance
- Do you offer long stay travel insurance?
- If you are retired or are taking a break from work or study and are planning to travel for a long period, we have the long stay travel insurance policy for you. The policy we will provide depends on the length of the trip you take. The maximum length of trip covered by our policies is as follows:
Single trip - 3 months Get a quote for single trip travel insurance
If you plan to visit one destination within the next 6 months
Backpackers - 12 months Get a quote for Backpacker Insurance
If your trip will include multiple destinations & you are under 45
Annual multi-trip - 31 days (45 days with Platinum cover) Get a quote for Annual Multi-Trip Travel Insurance
If you are taking more than one trip within a 12 month period
Travel Insurance Policy Questions
- How many days can I go on holiday for, on a single trip policy?
- Our single trip travel insurance policies will cover you for a trip of up to 3 months, but if you are planning to be away for longer than this, one of our backpackers policies would cover this up to 12 months.
- How many times can I travel with an annual multi-trip policy, and how long can each trip be?
- You can travel as many times as you wish during your 12 month travel insurance policy period. With our silver and gold policies the maximum length of any one trip is 31 days, but for the platinum package this is extended to 45.
- If my partner and I take out an annual travel insurance policy as a couple, will it cover us when we travel independently?
- Yes, a couple's annual policy will cover you both, irrespective of whether you are travelling together or independently.
- I purchased an annual travel policy for my whole family, will my children be covered if they travel without my partner or I?
- No, all children under 18 included within a family insurance policy are only covered when travelling with an adult insured under the same policy
- We've got an annual travel insurance policy and we go on holiday in the UK a lot - is the UK covered?
- Yes holidays within the UK are covered. Please note for holidays within the UK Medical and Repatriation cover is limited to £1000 per person, as you will be able to obtain treatment free of charge from the NHS.
Questions about what's included and not included in a travel insurance policy
- How do I know what's included under my travel insurance policy?
- We advise that you read carefully the Insurance Product Information Document and policy wording documentation before completing your transaction online. These will give you full details of what you're covered for, and the extent of your cover. It is advisable to take these documents with you on your trip so that you can refer to them whenever necessary.
- I travel for work and pleasure, do your policies cover for business travel?
- Non manual Business travel is included within all of our travel insurance policies as standard, you can also extend the cover further for specific business purposes such as business equipment and money for an additional premium.
- Do you offer skiing insurance?
- Winter sports cover is available on all of our single trip and annual policies with the payment of a small additional premium. This will cover you for things such as, injury on the slopes, equipment, hired equipment, piste closure and delay due to avalanche.
- Does being pregnant affect my travel insurance cover?
Travelling When Pregnant -
Pregnancy and Childbirth are not considered to be medical conditions.
Our policies are designed to include cover under the Cancellation section (Policy A Section 1), Curtailment section (Policy B Section 1) and Medical and Repatriations Expenses section (Policy B Section 4) for Pregnancy and Childbirth from week 0 to week 28 inclusive for a single pregnancy, or week 0 to week 24 inclusive for a multiple pregnancy, whilst you are away.
From the start of week 29 and up until week 40 for a single pregnancy, or the start of week 25 and up until week 40 for a multiple pregnancy, cover is only provided under the Cancellation section (Policy A Section 1), Curtailment section (Policy B Section 1) and Medical and Repatriations Expenses section (Policy B Section 4) if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, medically necessary Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.
The policy will not cover any claims relating to normal pregnancy or normal childbirth.
Please note we will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance.
It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and required vaccinations for that country.
Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications and you are fit to undertake the planned trip
- If I'm driving my car abroad and it breaks down am I covered?
- You will need to check the terms of your car insurance before taking your own vehicle abroad as you may need to extend the cover. Our travel insurance policies would not cover for injury to a 3rd party, damage to the car or damage to a 3rd party's vehicle in the event of an accident, but it would cover you for the costs associated with medical treatment you (as the policy holder) require. Please refer to your policy documentation for details.
- What about cover for hire cars?
- You will need to make sure that your hire car insurance covers you for damage to the hire car and a third party's car in the event of an accident. Insurewithease.com travel insurance protects you against medical expenses as a result of an accident but please refer to the details of your policy before hiring a car abroad.
- Will I be covered should my tour operator go bust?
- If you have booked a package holiday, your travel agent or tour operator should hold an ATOL liscence.
ATOL is a financial protection scheme for holidaymakers. If an ATOL tour operator fails, the ATOL scheme ensures customers contracted with the ATOL holder for an air package or a flight, do not lose the money paid or are not stranded abroad. Therefore is not necessary for your travel insurance to provide this type of cover.
If you have booked your holiday independently we recommend you take our Scheduled Airline Failure cover which provides cover for the irrecoverable loss of deposit or charges as a result of the insolvency or financial failure of an airline or other company providing the following services associated with a holiday which has been booked independently and not part of a tour operator package.
- Does your travel insurance cover terrorist attacks?
- Please refer to the policy documents for details of what would be covered in the event of a terrorist attack. Cover is available under the medical expenses and personal accident sections of the policies, for injuries caused by the terrorist act.
- There has been a terrorist attack recently at my chosen destination, will I be covered to travel there or should I cancel my trip?
- Your travel insurance may not cover you in a country that the Foreign and Commonwealth Office has advised you not to travel to. For advice on countries not to travel to, please see www.fco.gov.uk/travel and refer to your policy documents for the details of cover you have. It's important to note that your policy won't cover the cancellation of a trip that you feel disinclined to take, it will only cover you if you are advised against taking the trip and are unable to obtain a refund from your travel provider.
- What happens if I have to cancel my holiday?
- All of our travel insurance policies offer cancellation cover, which means that if you had to cancel your holiday following an insured risk, you would be covered up to the limit shown on your policy.
Travel Insurance amendments & cancellation
- What if I need to make a change to my insurance policy?
- If your travel plans change or you need to make any other amendments to your travel insurance policy, you have a 14 day period in which to do so free of charge. After the 14 days, all amendments will incur a £10 administration fee. All you need to do is e-mail firstname.lastname@example.org providing us with the following information:
Date policy purchased
Amendments you wish to make
We will then send you an e-mail confirming that the amendments have been made, attaching the updated policy documentation.
- How do I cancel my policy?
- If you change your mind and wish to cancel your travel insurance policy, you have 14 days from when you take out your policy to cancel the policy and obtain a full refund on the premium, providing that you have not travelled or made a claim.
If you wish to cancel your policy within the 14 day cancellation period, please e-mail email@example.com confirming that you would like to cancel, and provide the following information:
Date policy purchased
Your reason for cancellation
Confirmation that you have not travelled since purchasing the policy
Confirmation that you have not claimed/do not intend to claim under the policy
You will then receive a telephone call from Insurewithease.com in order to process your refund.
- I have a pre-existing medical condition, does that mean I can't get travel insurance cover?
- No, this is not the case. Insurewithease.com can cover many medical conditions. When you complete your quote you will be asked a series of questions regarding pre-existing medical conditions. You must answer these questions accurately as if you fail to mention a pre-existing condition that you subsequently require treatment for whilst on holiday, unfortunately the travel insurance policy will not cover you for medical expenses incurred. If you answer 'yes' to any of the questions we will need to carry out a medical screening. If we can't cover your medical condtions we will recommend an alternative provider who may be able to provide cover.
- How do we get medical health assistance abroad?
- If you were to have an accident or fall ill abroad, the last thing you want to worry about is how you would obtain medical assistance and pay for it. By taking a travel insurance policy out with Insurewithease you would be given the reassurance of access to our 24 hour emergency assistance line, who would be on hand 24-hours a day to help. All it would take is one call and everything would be taken care of, including payment of medical expenses and making arrangements for you to travel home.
If you are unfortunate enough to need medical assistance abroad, you can call our 24 hour emergency assistance line - their number appears on the policy wording.
Travel Insurance Renewal Questions
- How do I renew my annual travel insurance policy?
- When your travel insurance policy is coming to an end you will receive an e-mail from Insurewithease.com inviting you to go online and renew.
Travel Insurance Claims Questions
- How do I make a claim through my travel insurance?
- For details of how to make a claim on you travel insurance please go to the claims page.
If you need emergency medical assistance whilst actually on your holiday, you will need call our 24 hour emergency assitance line, the phone number is on your policy documentation.
- What excess would I need to pay if I had to make a claim?
- The excess payable varies depending on the travel insurance policy that you decide to take out. It ranges from £35.00 with our platinum policies, to £100 with our silver policies.
- Can I waiver the excess on my travel policy?
- You can waive the excess on all of our policies in return for a small additional premium. This means that in the event of a claim you would not pay the excess amount. The option to waiver the excess will be given to you during the quotation process.
- What do I do if my passport or money get stolen whilst I'm away?
- When you take out a travel insurance policy with Insurewithease.com you will be given a telephone number to call in the case of an emergency abroad. Our medical assistance team is on call 24-hours a day, 365 days a year to provide assistance to our policy holders so that the necessary arrangements can be made.
- If I fall ill or have an accident while abroad, how do I pay my medical bills?
- In medical emergencies you need to call your dedicated medical emergency advice line which is available 24-hours a day, 365 days a year. The number is provided in your policy documentation.
If the question you have is not answered by our FAQs, simply contact us using our online enquiry form.