- Q. If I am rushed home in an emergency at what point does my cover end?
A. Regarding the ongoing care of travelers when they return home to the UK when sick or injured, the simple answer is that Travel Insurance is designed to get people home and into the care of the NHS or perhaps a private healthcare scheme if the person involved is a member.
Even if the situation called for evacuation of a casualty back to the UK by air ambulance, the traveler would be met on arrival by an ambulance (paid for by the insurance company) to take them to hospital, at which point the cover ends.
- Q. What is the difference between an Annual Multi trip and a Gap Year (or Backpacker Insurance) policy?
A. An annual multi-trip policy provides cover for unlimited individual trips during the course of a year up to 183 days in total (see next question). An ‘annual’ Gap Year (or backpacker) policy covers you for one individual trip of up to 12 months duration and offers a lower level of cover designed for those that travel light such as students.
- Q. What is the maximum length of any one trip I can take on an Annual Multi-trip policy?
A. The following are the maximum durations for each trip taken that are covered by our annual multi-trip travel insurance policies. If you wish to make a trip that extends beyond the limits shown here then you should consider purchasing either a Single-Trip or Long Stay/Gap Year policy which are designed to provide cover for lengthy stays overseas.
- Maximum Trip Duration 31 Days (62 days if additional premium paid)
- Maximum Winter Sports Trip Duration 17 Days (24 or 31 days if additional premium paid)*
* IMPORTANT WINTER SPORTS INSURANCE NOTE
Winter sports cover is an optional add-on to SINGLE TRIP policies and must be selected at the time of purchase. Please note that on purchasing our ANNUAL Multi-Trip Travel Insurance policy, if you select 17 (or 24 or 31) days Winter Sports cover it will provide you with that maximum number of days winter sports cover during the term of the policy (not an unlimited number of winter sports trips of 17 (or 24 or 31) days durations)
- Q. When does cover commence with an annual multi-trip policy?
A. When you purchase an Annual Multi-trip travel insurance policy you will specify a start date and until that date you will not have any cover. If you are leaving on a trip in say one month's time and wish to have cancellation cover etc then set your travel insurance policy to start the day you purchase the policy.
- Q. When does cover commence with a single-trip or Gap Year policy?
A. A Single Trip or Gap Year travel insurance policy is designed to protect you between the specific dates that you are travelling. That it is, from the date you leave your home to commence your journey and finishes on a specific date upon your arrival back home. However, you do have cancellation cover from the moment you purchase the policy.