Travel Insurance for those who have already travelled abroad
Forgetting to book your travel insurance before you leave home it more common than you think. In the rush to get ready for a holiday, you think you have covered all the bases and then having cleared customs, picked up your bags and are making your way to your destination, someone mentions travel insurance and you think "Nooooo!" but don't worry we can help.
Travel Insurance booked within the first 7 days of your trip
We have policies that will provide full cover with no exclusions commencing the day after you purchased the travel insurance policy. This caveat is for obvious reasons and is designed to stop people insuring only once they have had an incident or injured themselves and require immediate assistance.
This option to cover you after you have departed is available to any EEA residents and for ease they are listed as residents of;
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
The policies are sold under the basis that you are registered with a doctor in your home country. All policy wordings will be in English and Claims will be settled in pounds sterling.
The maximum duration we can cover you for is 31 days skiing and that will include any days that you have skied prior to booking this insurance. So if you have been away 2 days the maximum days we can is 29 days, by which time you must have returned to the UK.
Note as well all cover starts on the day following purchase, there is no medical screening available and no 14 day cooling off period
Travel insurance booked after the first 7 days of your trip
Now the case above is for those who travelled and are taking out a policy within 7 days of leaving their home country in the EEA, however if you have been abroad more than 7 days or if you are abroad and have a policy that has expired and you need extend the cover then we too can help.
Policy will commence the day after the policy has been bought and you will be covered for all eventualities apart from illness. You are covered for accident immediately so if you fall off your bike or have a crash skiing then you are covered from the day after the policy is purchased but their is no cover for illness for the first 14 days after cover is purchased. In the policy wording an illness is defined as any disease, infection or bodily disorder which is unexpectedly contracted by you whilst on your trip or unexpectedly manifests itself for the first time during your trip. This is the only policy restriction in place for ski insurance policies bought more than 7 days after you have left home,
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If you are looking for travel insurance we can now cover you if you live in any of the following countries as a native or have residency.
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
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Travel insurance is not a substitute for taking out a private medical insurance policy.
Any queries, then please call as we are open 7 days a week
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The policies are sold under the basis that you are registered with a doctor in your home country and that all trips will start and end at your home. All prices will be in pounds sterling, the policy wordings will be in English and Claims will be settled in pounds sterling.
The maximum duration we can cover you for is 31 days skiing and that will include any days that you have skied prior to booking this insurance. So if you have been away 10 days the maximum days we can is 21 days, by which time you must have returned to the UK
Note as well all cover starts on the day following purchase, there is no medical screening available and no 14 day cooling off period
Please note that the "already abroad" options are only available for ski trips up to 31 days in duration. Any ski trip longer than 31 days cannot be booked online. Policies are available via our call centre on 0330 880 5099 subject to terms and conditions.
Getting an online Quote
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Our approach has always been to offer the traveller the choice when it comes to travel insurance. Following a simple quote stage where we determine your needs, the policy options are laid out on screen in such a way that you can easily see what is covered and more importantly whats not covered under each policy.
Customers who are interested in the most cost effective options have the ability to further reduce the policy prices by by removing elements such as baggage and cancellation cover and increasing the excesses.
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Did you know?
£9,000 – cost of treating a woman who suffered a severe allergic reaction while holidaying in Cyprus. (1)
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Comprehensive travel insurance for EU residents covers the policyholder for insurable events that may occur before or during travel, such as trip cancellation or journey interruption, medical expenses for injury or illness, theft of valuables, baggage damage and more.
The cost of travel insurance is based on the type of cover requested, the age of the insured, the destination of travel, length of stay, type of activities covered and whether you have any pre-existing medical conditions.
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Did you know that?
Stable and well controlled conditions such as High blood pressure and Diabetes are covered as standard provided you dont have more than 2 reviews a year and your medication has not increased in the last 3 months. (2)
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As a company we use a number of insurers and they each have different approaches to medical screening. In the main their approaches have improved and we have amongst our stable of product, insurers who will cover in excess of a 1,000 medical conditions.
What about the EHIC, Isn't that enough?
The European Health Insurance Card or EHIC is designed to ensure that you will receive free or reduced cost emergency medical treatment in any of the EU member countries - plus Switzerland - and is available for those aged 16 and over free of charge.
It is important to remember that the EHIC is for emergency hospital visits only and will not entitle you to any other form of treatment. It will also not cover the cost of emergency repatriation to the UK if needed and will not pay for any of the other benefits associated with a travel insurance policy including baggage, cancellation personal liability cover etc. To find out more about the European Health Insurance Card, please click here.
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Did you know?
The UK Government is suing some EU states for refusing to honour UK residents EHIC Cards. Travellers are forced to use cashpoints in Hospitals abroad to pay for emergency care upfront and told to reclaim from the NHS upon return
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The fine print
Medical coverage
Limits and exclusions
(1) Ibid.
(2) Cover limited to the Standard, Premier, Premier+, Voyager and Voyager+ single trip and annual multi trip travel insurance policies.
Photo: Vladimir Yaitskiy Under licence.