Insurance

Any brand new policy purchased from August 18th 2020 will now include cover for cancellation as a result of a positive diagnosis of Covid-19 and will also now cover Medical Expenses abroad as a result of Covid-19. All other claims relating to Covid-19 or Government Restrictions on travel are excluded. The policy will not cover cancellation due to government lockdown or travel restrictions imposed by the Department of Foreign Affairs or if you are advised to self-isolate without a positive Covid diagnosis You have a 14 day cooling off period during which you may cancel your policy without penalty. This travel insurance does not include pre-existing medical conditions, if you have pre-existing medical conditions please contact the Medical Screening Number on the insurance Policy document to advise of any pre-existing medical conditions. You will receive a follow up email with the insurance policy document and summary IPID for review.

Any transferal of a policy from a previous booking does not offer Covid-19 cover.

Ireland/UK

Europe 

Worldwide (excluding USA/Canada)

Worldwide including USA/Canada

Australia and New Zealand

A 10% discount applies on the above amount if you have personal private medical insurance.

Travel Insurance is something, which you take on a trip, but hope never to have to use. If you are unfortunate to have to use it, you want to be sure that the policy you have is suitable for the situation. In order to protect you, therefore, we have arranged a travel insurance policy through Milsom Howard Limited, which is underwritten by tifgroup, a trading name of Travel Insurance Facilities Plc. and insured by URV, Branch Office of Union Reiseversicherung AG for the United Kingdom.

Travel Department is an Appointed Representative of Milsom Howard Limited which is authorised and regulated by the Financial Conduct Authority, FRN 305252.Union Reiseversicherung AG is authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Conduct Authority. Union Reiseversicherung AG is a member of the Financial Services Compensation Scheme.

Travel Insurance Facilities Plc is authorised and regulated by the Financial Conduct Authority FRN306537.

It is impossible for us to show you the full terms and conditions of the policy here, but a full copy of the wording will be sent to you along with your booking confirmation invoice. Please take time to read it carefully, as it constitutes the contract between you and the Insurance Company. If the cover provided does not meet your requirements, or if you have any query about the insurance, please ring tifgroup-sales 0203 829 3886, who will be pleased to answer your query and arrange additional or alternative cover if necessary.

Please Note: This is a travel insurance policy and not private medical insurance. This means there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available. This table shows you what cover may be available under this insurance policy and is subject to the terms, conditions and exclusions which are detailed in the individual policy sections. Please be aware that if your circumstances do not fit those described, then there is no cover in place. The amounts shown under ‘We will pay up to’ are the maximum amounts payable under each policy section for each insured person. Please note: Some sections have individual item limits, or limits to the amount paid per period; please refer to the individual policy sections for these limits. The ‘Deductible amount’ sometimes called an excess) is the amount that will be deducted from your claim for each insured person.

COVID

Any policy purchased from the 1st January 2021 includes cover for:

• CANCELLATION if you or anyone named on your policy tests positive for COVID-19 up to 14 days prior to travelling. T
• CURTAILMENT if you or anyone named on your policy tests positive for COVID-19 during your trip.
• EMERGENCY MEDICAL EXPENSES should you fall ill with Covid-19 whilst abroad, and require emergency medical treatment whilst abroad and includes your repatriation to the UK (when it is safe to do so). The 24-hour emergency assistance company (detailed in your policy wording) should be contacted for advice and agreement of costs relating to your illness.

There is no cover if you have travelled against FCO/FCDO advice or any government or local authority advice in place for your destination at the time of your departure.

WHAT I AM STILL NOT COVERED FOR RELATING TO COVID-19

Your policy will NOT cover:

• Any other costs other than indicated above related to Covid-19.
• Travelling against government or other regulatory authority (such as the FCDO) or against medical advice.
• Fear of/or any epidemic, pandemic as declared by the World Health Organisation (WHO).
• Any changes in FCDO, government or local authority advice against travel after purchasing your policy, including any travel restrictions, quarantine, or self-isolation as a result of exposure to Covid-19.

Policies purchased prior to 1st January 2020 will not cover any claims caused by or relating to Corona Virus disease (Covid-19, SARS-COV-2) or any mutation or variation of these. This exclusion applies to all sections. If you have purchased insurance with us prior to this date, and you are concerned about your cover and wish to add this additional cover for Coronavirus - we will be happy to assist where possible. Please contact us for details. Additional premium will apply if agreed.

Please read our UK policy wording for full details of what is and is not covered.

IMPORTANT – HEALTH CONDITION

At the time of arranging this insurance, and throughout the duration of the policy you must inform tifgroup (on 0203 829 3886) if you or anyone named on the policy ever been diagnosed with or treated for any of the following?

• Heart or circulatory conditions
• Strokes or high blood pressure
• Breathing/Respiratory conditions (including Asthma)
• Cancer (even if now in remission)
• Diabetes (including diet controlled)
• Irritable bowel disease (such as crohn’s, or diverticulitis)
• If you or anyone named on the policy currently taking any medication? (this will not apply to common colds, flu or contraceptive medication)
• If you or anyone named on the policy are waiting for any tests, treatment or a non-routine hospital appointment?
• If you or anyone named on the policy has seen a medical professional in the last 2 years?

If the answer is YES to any of the above, you must declare them to tifgroup; you cannot choose what you declare and what you don’t.

The Insurers need to understand your health as a whole to be able to assess the risk you present in the lead up to your trip and while you are travelling. If any of the above apply to you and you do not declare them, any claim you make whether it is related or not, may only be paid in part or declined altogether.

Similarly, if there is a CHANGE IN YOUR HEALTH BEFORE YOUR TRAVEL, such as new or increased medication, any referral for tests or a specialist appointment, or a new diagnosis/course of treatment, you must tell tifgroup or again any claim you make whether it is related or not, may only be paid in part or declined altogether.

If tifgroup feel that anything you tell them might increase the risk and chance of a claim, they may ask you to pay an additional premium, apply an increased excess, change the policy terms or withdraw cover altogether. To declare an existing condition(s) or a change in health please call tifgroup-sales on: 0203 829 3886 Mon-Fri 8am-8pm, Sat-Sun 9am-5pm

Should your medical situation change before you travel, and we are unable to provide cover, we will either allow you to make a claim for cancellation or, we will refund 50% of the total policy premium you have paid.

You can download the policy document <here> You can download the Insurance Policy Information Document (IPID) <here>

Ireland/UK

Europe 

Worldwide (excluding USA/Canada)

USA/Canada