What is travel insurance?
Travel insurance is a specific type of insurance that has been designed to cover people against certain risks they may face when travelling, such as accidents, illnesses or financial loss. Some of the main sections of cover are medical expenses, trip cancellation and loss or theft of baggage. Other sections of cover include financial failure of airlines, missed departure, and travel and baggage delay.
Why buy travel insurance?
Whilst we all look forward to a holiday, travelling to a foreign country is not without its risks. When this is coupled with an unfamiliar language or culture you want to be certain that appropriate cover is in place and just a phone call away.
The biggest risk when travelling is the cost of medical treatment. If you fall ill or suffer an injury requiring medical treatment when abroad, the costs can quickly skyrocket. Even when travelling within the EU, you may find the EHIC does not provide cover for the treatment you require, or in the location you are in. However, with appropriate coverage, medical expenses will be covered by your insurance, potentially saving you tens or hundreds of thousands of pounds. As well as covering medical expenses, travel insurance also provides you with a 24 hour medical assistance helpline. This service will arrange emergency medical care for you wherever you are in the world.
In addition to protecting you in the event of a medical emergency, travel insurance also provides cover against other financial losses. This includes the costs of cancelling your trip, such as if you fall ill or injured just before you are due to start your trip, or cover to replace your baggage and money if this is lost or stolen during your trip.
Is travel insurance mandatory when travelling?
For countries that do not require a visa to visit, such as countries within the EU, or USA and Canada, travel insurance is not mandatory and you can choose to travel without it. However, for some countries or destinations that require a visa to visit, a valid travel insurance policy is often a prerequisite when applying for a visa. Also, some tour operators will require customers to hold a valid travel insurance policy as part of their booking terms and conditions, such as for trekking or mountaineering tours. If in doubt, it’s best to always check with the relevant embassy or tour operator.
Is all travel insurance the same?
No. Travel insurance comes in all shapes and sizes. When buying a travel insurance policy you should always ensure that the levels of cover are adequate for your needs. This includes considering the total cost of your holiday and the total value of the possessions you are taking with you, to ensure the policy limits will cover all of these expenses. Policy excesses can also vary widely, so you should consider how much of an excess you would be prepared to pay in the event of a claim and factor this into your decision making.
Buying travel insurance
Who can buy a travel insurance policy from Coverontrip?
Anybody aged between 18 and 65, who is a UK resident and is currently in the UK can buy a travel insurance policy from Coverontrip.
Do you cover children?
Yes, children can be included on any policy.
Do you cover pre-existing medical conditions?
No, our policies do not currently provide cover for pre-existing medical conditions.
When can I take out travel insurance, at the same time as booking my trip or after?
You can purchase an annual-multi trip policy at any time. To purchase a single trip policy, you need to know your trip dates and destination. As soon as you purchase a single trip policy or the actual trip itself (the later of both in a single trip option), or as soon as an annual-multi trip policy begins, you are covered for trip cancellation for any upcoming trips. Therefore if you wish to benefit from this cover you should purchase your insurance as soon as possible after booking a trip.
How can I update my personal or policy information, if I’ve made a mistake or if some of my details have changed?
If you need to update any of your personal or policy details, just send us an email to: firstname.lastname@example.org or use our live chat facility and we will be more than happy to help. Remember to provide your policy number and details of the changes you need made when contacting us. Please note, if you want to make changes to your policy, such as changing dates or destination, this may not be possible if you’ve already started your trip.
Can I add or remove certain levels of cover when buying a policy?
You cannot make changes to individual levels of cover on our policies. We have instead created a range of products tailored towards different types of trips, such as general holidays, backpacking, winter sports and cycle. Some of these policy types have different levels of cover to choose from, so you can choose a policy that fits your needs.
You can also choose from a range of policy add-ons, which we call Toppings, once you’ve selected your policy. These Toppings cover specific things such as Gadgets, Pets, Golf equipment, amongst others.
Who underwrites Coverontrip?
All of our policies are underwritten by ERV UK a brand name of ETI International Travel Protection the UK Branch of Europäische Reiseversicherung (ERV) A.G Munich, an ERGO Group Company which is authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority under FRN 220041. This can be check be checked at https://register.fca.org.uk/
What does it mean…
What is meant by ‘travel’ in travel insurance?
Our policies cover trips that start and end within the UK and which includes a flight, international train, ferry crossing or pre-booked overnight accommodation away from your normal place of residence.
What are policy limits?
Each section of cover has a policy limit, which is the maximum amount payable per person, per claim per trip (in case of annual-multi trip) for that section of cover. These are listed in the front of the policy wording.
When does cover start and end?
On single trip policies, coverage starts from 00:00:00 on the policy start date and runs until 23:59:59 on the policy end date. This is apart from cancellation cover, which starts from the moment you purchase the policy or when you have purchased the trip, whichever is later.
On annual-multi trip policies, coverage starts from when you leave your house to travel to your departure point, until you arrive back in the UK. This is apart from cancellation cover, which starts from your policy start date or the date you booked your trip, whichever is later.
What does medical and repatriation expenses cover?
This covers emergency medical treatment costs incurred as a result of bodily injury or illness. This includes costs related to medical and surgical treatment, prescribed medicine, hospitalisation charges, nursing home and additional accommodation during recuperation, emergency (or doctor-ordered) ambulance charges for conveyance to a hospital and emergency dental treatment expenses (for the alleviation of sudden pain only). In addition to these costs, this section also covers emergency medical repatriation back to the UK, if this is medically necessary.
Other practical issues
How long do I have to make a claim?
If you require emergency medical treatment, you must contact the 24hour emergency medical assistance service as soon as possible on +44 (0) 1 403 288 119
For all other claims, you should submit your claim within 180 days of the date of the incident that gave rise to the claim.
What should I do if something happens to me during a trip and I need emergency assistance?
If you are in need of emergency medical assistance, call our 24 hour emergency medical assistance service as soon as possible on+44 (0) 1 403 288 119. The assistance service will advise what you need to do, such as directing you to a local hospital and managing the costs directly with the hospital.
Do Coverontrip policies cover me in any country in the world?
Our policies will not cover travel to any countries or regions that the Foreign and Commonwealth Office (FCO) advise against all travel to. An up-to-date list can be found on their website: https://www.gov.uk/foreign-travel-advice
Should I take a copy of my policy certificate or terms and conditions away with me?
It’s always a good idea to carry a copy of your policy certificate with you, in case you need to provide proof of insurance when seeking medical treatment. This can either be a paper copy or a digital copy stored on your phone internet.