A single trip policy will cover you for one holiday. When choosing the start and end date of your policy, please make sure that this begins on the date you leave your home address and ends on the date you return to your home address. This ensures you are fully covered for the entire duration of your trip, including travel to and from your destination. Cover under the Cancellation section of your policy will start from the date of purchase.
An annual multi-trip policy covers you for 365 days, for as many trips as you plan to take in that time. Between trips, you must return to the UK for at least one day and night. There is a maximum duration per trip, which will be detailed in your Policy Wording.
The maximum trip duration for a single trip policy is 365 days.
With an annual multi-trip policy, we can offer policies with the ability to cover a maximum trip duration of 90 days.
The cover amounts apply per person. This means that if you’re a family of four, and the policy states a £1,000 cover limit for Cancellation, you can claim up to £4,000. Please be aware that the excess usually applies per person, per section, and per claim.
Travellers under 18 at point of purchase can have their own policy, however they should be accompanied by a responsible adult at all times, and the policy must be purchased by an adult who has responsibility for the child.
Please note that some of our policies may have different age limits and you should check the Policy Wording or speak with our contact centre staff if you are unsure.
Yes. We can offer policies to travellers of any age, subject to destination, policy type and additional sports/activities.
In order to select ‘family’, the party must include up to two adults and any number of children aged under 18.
Geographical areas are how the countries in the world are grouped for travel insurance purposes.
Below are the destination groups that are usually used by underwriters. When purchasing a single trip policy, you will be asked to select or input your destination country, i.e. Spain, France etc.
For an annual multi-trip policy, you will be asked to select one of the following groups. You will need to check the Policy Wordings or speak to a member of our contact centre for exact groupings for each underwriter.
UNITED KINGDOM - England, Scotland, Wales and Northern Ireland. Depending on your policy, this can also include the Channel Islands and the Isle of Man.
EUROPE 1 - Europe 1 is used to define most of Europe.
EUROPE 2 - Europe 2 includes all of those countries listed in Europe 1, as well as additional countries which might incur higher medical costs.
AUSTRALIA and NEW ZEALAND
WORLDWIDE excluding USA, CANADA, CARIBBEAN, and MEXICO - Anywhere in the world excluding the United States of America, Canada, the Caribbean and Mexico.
WORLDWIDE - Anywhere in the world.
EUROPE 1 is used to define most of Europe, and tends to include:
EUROPE 2 includes all of those countries listed in Europe 1, as well as countries such as the following:
Please note that it is your responsibility to check the latest travel advice from the Foreign, Commonwealth and Development Office (FCDO) before you go. We cannot offer travel insurance to a country or area where the FCDO has advised against all, or all but essential, travel.
Yes, an annual multi-trip policy would cover you for travel within the United Kingdom. Please refer to the Policy Wording, as each may differ in their definition of the UK.
Please note, the conditions surrounding travel within the UK vary by policy. This might include a certain number of days away or a minimum distance from your home. Please check these in your Policy Wording to make sure that your travel insurance is suitable and covers you adequately.
Yes, our policies are designed to cover pre-existing medical conditions that are declared to us at the time of quotation or policy purchase. This includes cover for emergency medical expenses, cancellation, curtailment, and more.
A pre-existing medical condition is defined by the questions we ask during the quote process. You must declare all applicable conditions for your policy to be valid.
This includes if you have ever suffered from, received treatment for, or had a prescription for:
Also, if in the last 2 years you have:
Note: Pre-existing medical conditions are defined by the insurer. Please check your Policy Wording for full details.
Medical screening is the process where you declare your medical conditions. You input your condition, and our screening system will ask follow-up questions. This must be completed for all travellers with pre-existing conditions.
If you're on a waiting list, please contact us by phone. We'll assess whether we can provide cover. Contact details can be found here.
Yes. You must inform us as soon as any traveller’s health changes before a single trip or before your next holiday on an annual multi-trip policy.
Changes include:
Based on the update, we may need to amend your policy or apply an additional premium. If cover can't be extended, we reserve the right to:
No. We do not offer the option to exclude medical conditions. All conditions must be fully and accurately declared for the quote to be valid.
Failure to declare pre-existing medical conditions means you will not be covered for related claims and your policy may be considered void. You would be responsible for any costs arising from such claims.
To ensure you’re covered, disclose all pre-existing conditions for all travellers before purchasing your policy.
Yes, provided a medical professional confirms you’re fit to travel. However, cover will not apply to routine pregnancy or childbirth without complications.
Complications that may be covered include:
Please check the Policy Wording to confirm what is included.
No. Our policies do not provide cover for receiving medical treatment, surgery, or advice abroad.
Activities and sports are assessed by risk, and are graded by Packs or Categories. There are a number of sports and activities covered as standard in your Policy Wording. If the activity you want to do is listed in a higher Activity Pack or Category, there will be an additional premium to be paid.
If you’re unsure whether your sport or activity is covered, please get in touch and we can help you work out which activities can be included.
There is cover to take part in scuba diving across the policies we offer, under the Sports and/or Activities section found in the Policy Wordings. The depth you are covered for may differ between insurers, and is subject to your qualifications. There are also restrictions around whether you are diving alone or with a qualified instructor.
Yes. The majority of our policies will provide cover for going on a cruise ship as standard, including protection for emergency medical expenses.
If you are looking for cruise-specific benefits for events such as cabin confinement or missed port of call, you would need to apply the Cruise cover extension. This is often subject to an additional premium.
It’s important to make sure that your cruise travel insurance policy meets the requirements of the cruise provider, and that it covers you for each of the countries you’re travelling to - even if you do not disembark.
We would suggest that you check your Policy Wording so that you are aware of the exact cover you receive with the Cruise extension.
You’re automatically covered whilst you’re on a cruise. The Cruise extension is optional, and provides extra cruise-specific benefits for an additional premium. These may include:
No. If you are not embarking on a cruise liner, you would not need to add the Cruise cover extension.
Yes. Repatriation is included as part of the emergency medical expenses section of the policy, provided that it is medically necessary to do so.
If you find yourself in such a situation, you need to contact your insurer’s emergency medical assistance company as soon as possible. Failure to do so can result in your claim being rejected, refused, or not fully paid.
The Winter Sports extension provides cover whilst you’re on a winter sports trip and intend to take part in sports or activities on the snow or ice. There may also be additional cover included for:
Please note: you can only take part in winter sports if you purchase the Winter Sports extension, and there may be age limits that apply. Please check the Policy Wording for further details.
When you purchase the Winter Sports extension, there is cover to take part in a variety of snow- and ice-based sports and activities. These can include:
Some of these sports are subject to certain conditions and may contain restrictions surrounding your cover while taking part. For this reason, we would always suggest reviewing the Winter Sports extension in your Policy Wording to make sure you’re covered appropriately for the winter sports you intend to do.
Yes. You can add cover to an annual multi-trip policy, given that you do not exceed the maximum number of days spent doing the sport annually. Depending on the policy you have purchased (or intend to purchase), this can be up to 45 days during the time your policy is live.
Insurance Premium Tax is included in all of the premiums we offer, at a rate of 20%, in line with VAT. It applies to all general insurance premiums which are not subject to VAT.
CVV stands for Card Verification Value, and is an anti-fraud feature to help verify that you are in possession of your payment card. For most cards, it's the 3-digit number on the back. For American Express, it's a 4-digit number on the front.
OTP stands for One-Time Password. It's a temporary code sent via text or email to verify that you are making the purchase. It can only be used once before expiring.
We do not currently offer loyalty discounts. However, discount codes are occasionally sent to customers who have opted into marketing emails.
After purchase, you will receive an email linking you to MyBrokerSure, our online customer portal. You’ll need to set a password to access your account and view documents or make changes.
Paper copies can be posted on request. Delivery may take up to 5 business days, and we can't accept responsibility for postal delays.
You have a 14-day cooling-off period after purchase. If you cancel during this time and haven’t travelled, made a claim, or intend to, you will receive a full refund. After this period, the refund depends on the Policy Wording.
We recommend buying it as soon as your trip is booked to benefit from Cancellation cover. Single Trip policies start cover from the purchase date; Annual Multi-Trip policies begin on the chosen start date and last 365 days.
Yes, each person can travel independently. However, under-18s must always be accompanied by a responsible adult.
To be a UK resident, you must:
Travel insurance helps cover unexpected events that affect your trip, such as cancellations, medical emergencies, lost belongings, and travel delays. It gives peace of mind so you can travel confidently.
It’s your choice, but without it, you’d have to pay all costs out of pocket, including medical bills. Even if you have insurance through your bank or tour operator, double-check the coverage - especially for medical emergencies.
A policy excess is the amount you pay towards a claim. If your claim is £500 and the excess is £100, the insurer pays £400. Excesses usually apply per person, per section, per claim.
No, you don’t. Just contact us if your medical situation changes or if you need to amend your cover.
The GHIC (Global Health Insurance Card) replaces the EHIC. It allows you to receive necessary state healthcare on the same basis as locals in the country you're visiting. It’s not a replacement for travel insurance.
You can use it in the following countries:
Yes, it can be useful. A GHIC allows access to discounted or free state-funded healthcare abroad. However, it doesn’t cover everything—like repatriation—so travel insurance is still necessary. Apply at www.nhs.uk/ehic.
No. You must purchase your policy before leaving the UK. Buying a policy while abroad invalidates it.
Yes. Contact us in advance of travel to request changes. We will check that:
If the FCDO advises against travel to your destination, we cannot provide cover. It’s your responsibility to check FCDO advice before travel.
Yes, as long as you're still in the UK. Be aware that cover for known claims doesn’t apply, and some policies may require underwriting approval, which could delay coverage.
Possibly, depending on your policy. We need to confirm you haven’t made or intend to make a claim. Annual policies may be extended for trip duration, and Single Trip policies may be extended to 365 days if requested before expiry.
Yes, if the work is non-manual and doesn’t involve machinery. Some cover restrictions may apply, depending on your work type and Policy Wording.
Travel insurance for £4.95 a day to Spain, with £5,000 cancellation cover per person. See how much cover you can get for our value prices.
Use our website or call our friendly UK call centre team that will be happy to assist you.
*Based on a 30-year-old travelling in Europe 2 for 8 days on a Direct2Insure Select5 policy. Prices correct as of May 2024.
