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Understanding Your Cover

Common cover queries and policy definitions

Cover Queries

Can Children Travel Unaccompanied on a Policy?

Understanding Travel Disruption Cover

Do I Need to Book a Return Flight to Be Covered?

Can I Claim for Flights Booked Using Avios or Air Miles?

Can I Cancel My Trip and Get a Refund?

Baggage and Personal Belongings Cover Explained

Understanding Legal Expenses Cover

Understanding Personal Liability Cover

Understanding Our Sports and Activity Packs

Are Safaris and Bush Trekking Covered Under My Policy?

Am I Covered to Go to Theme Parks?

Understanding Sporting Equipment Cover

Understanding Our Winter Sports Add-On

Do I need a different area of cover if my cruise stops in a country I don't plan to visit?

Understanding Our Golf Cover Add-On

What Devices and Incident Types are Covered Under Gadget Cover and what is the criteria of purchase?

How do I get a cruise confirmation letter?

Am I covered for a Cruise?

Am I covered for Covid?

Am I covered to drive a car, motorbike or other motorised vehicle while abroad?

Am I covered in transit or during a stopover outside of my covered area?

Am I covered if the holiday is a gift from a family member or a prize?

Can people insured on an Annual Multi-Trip travel separately

Can Adults on an Annual Multi-Trip Policy Travel Separately?

What is Dual Insurance and How Does It Affect My Cover?

Am I Covered to Perform or Entertain While on a Trip?

Missed Departures, Delays and Cancellations

Reciprocal Health Agreements

Your Health

What Should I Do If My Health Changes After Buying My Policy?

Medical Cover Payout Limits and Healthcare Cards (GHIC/EHIC)

Why is My Policy Showing as "Void" or "Temporarily Cancelled"?

Eligibility Restrictions for Terminal Illnesses

Major Medical Exclusions and Claim Requirements

What medical expenses are covered under the policy?

What can invalidate your medical cover?

Travelling while pregnant

Travelling abroad for cosmetic surgery

Travelling after getting a tattoo or piercing

Common Definitions

What is the definition of a "War"?

What Happens If I Miss My Cruise Departure or a Port Visit?

What is considered an "Accident"?

What items fall under the category of "Baggage"?

What is defined as a "Catastrophe"?

Who is considered a "Close relative" or “Close Family Member”?

Who qualifies as a "Colleague"?

How is a "Cruise" defined?

What does "Cut short/Cutting short" mean?

What is an "Excess"?

Extras Included With Your Policy

What extras are included with my policy?

TravelMate

BagFinder

Free 1GB eSIM

Contracting a STD (Sexually Transmitted Diseases) while travelling

How are "Gadgets" defined?

What falls under the category of "Golf Equipment"?

What is considered "Home" in this policy?

What does "Home area" mean?

What is included in "Important Documents"?

How is the "Insurance Period" defined?

Who is an "Insured Person"?

How is a "Medical practitioner" defined?

What do we mean by "On a recreational basis"?

What is a "Package holiday"?

What is included in "Personal Money"?

How is "Personal quarantine" defined?

What are "pre-paid charges"?

How is "Public Transport" defined?

What is meant by "Redundant/Redundancy"?

What is "Regional quarantine"?

What is covered under "Ski Equipment"?

What is a "Ski Pack"?

How is "Sports Equipment" defined?

What does "Terrorist Action" mean?

What is the definition of a "Travelling Companion"?

What is meant by "Trip(s)" in the policy?

How is "Unattended" defined in the policy?

What items are considered "Valuables"?