Customer Service: 0333 355 0266
 
 *Sales: 0844 871 0266
 
*Calls cost 7p per minute plus your phone company's access charge
 Customer Service: 0333 355 0266
 
 *Sales: 0844 871 0266
 
*Calls cost 7p per minute plus your phone company's access charge

FAQs


Annual Multi Trip

  • What is the maximum age limit on an Annual Multi Trip policy?

    The maximum age limit is 75 years.

  • What is the maximum age limit and length of any one trip on an Annual Multi Trip policy?

    19 - 49 yrs - Max duration Economy 35 days
    19 - 65 yrs - Max duration Super or Super Plus 60 days
    66 - 69 yrs - Max duration Super or Super Plus 31 days
    70 - 75 yrs - Max Duration Super or Super Plus 21 days
    Unlimited number of trips for all age categories.

  • How many times can I go away if I have an Annual Multi Trip policy?

    There is no restriction on the number of times you can go away during the period of this insurance on an Annual Multi Trip Insurance policy.

  • Is Wintersports cover included in the price?

    No, however Wintersports can be included for an additional premium for persons 65 years or younger.

  • Can an adult/child travel separately?

    On an Annual Multi Trip policy the named adults/spouses can travel separately/independently. Children under 16 years of age cannot travel independently. Children 16 years of age or over are covered to travel independently from their parents provided they are travelling on an organised school or college trip only and with a responsible adult aged 18 years or over.

  • What is the definition of a couple on an Annual Multi Trip policy?

    A couple can be defined as two adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex couples.

  • What is the definition of a family on an Annual Multi Trip policy?

    2 co-habiting adults/spouses and their dependent children under 19 years of age.

  • When should I start my Annual Multi Trip policy?

    Your cover should start the day you purchase the insurance unless:

    • you have an existing policy that covers you until the cover Start Date you choose.
    • you have yet to book a holiday and will only do so on or after the cover Start Date you choose.

    You have no cover until the Start Date of the policy. Your cover including cancellation protection ONLY begins from the chosen Start Date.

  • Can I extend the maximum trip duration on my Annual Multi Trip policy?

    The maximum trip duration we can offer on an Annual Multi Trip policy depends on your age and the cover level you choose. Please see “What is the maximum age limit and length of any one trip on an Annual Multi Trip policy?” Unfortunately these trip durations cannot be extended. If you require cover for a longe

  • Will my Annual Multi Trip policy renew automatically?

    To make sure you have continuous cover under your policy, we will aim to automatically renew (auto-renew) your policy when it runs out, unless you tell us not to. Each year we will notify you 6 weeks before the renewal date of your policy, and tell you about any changes to the premium or the policy terms and conditions.
    If you do not want to us to auto-renew your policy, just call us on 0333 355 0266, otherwise we will collect the renewal premiums from your credit card or debit card.

    You should also note that your renewed policy will only be valid when:
    - you have told us about any changes to your policy details (including any changes in health conditions) as you will still be required to contact the medical screening company to declare any medical conditions;
    - and your credit card or debit card details have not changed.

    In some cases we may not be able to automatically renew your policy; we will let you know at the time if this is the case. For the facilitation of the auto renewal service we will assume that your details have not changed and you have the permission of the card holder unless you inform us otherwise.

Single Trip

  • What is the maximum age limit on a Single Trip policy?

    The maximum age limit is 79 years of age.

  • What is the maximum age limit and trip duration I can take on a Single Trip policy?

    The maximum duration you can take on a Single Trip policy is:
    • 93 days for persons 59 years or under Economy.
    • 365 days for persons 67 years or under Super/Super Plus.
    • 21 days for persons 68-79 years Super/Super Plus.

  • Can I extend my Single Trip policy for a longer duration?

    Please see “What is the maximum age and trip duration I can take on a Single Trip policy?”. If your total trip duration does not exceed the maximum limit then you may be able to extend your cover. You must:
    • Contact us by telephone before your current policy expiry date.
    • Contact Healthcheck (if applicable) to extend cover for previously declared medical conditions.

  • What is the definition of a family on a Single Trip policy?

    2 co-habiting adults/spouses and their dependent children under 19 years of age.

  • Can children under the age of 19 years travel alone?

    Yes but they must have a policy in their own name and they will be charged the full adult rate.

  • What additional covers are available?

    You have the option to upgrade your policy to include the following covers - Excess Waiver, Golf Cover, Business Equipment Cover, Flight Cancellation, Wedding Cover, Travel Disruption (7 day moratorium period) and Wintersports cover. Details of cover levels and policy limits can be viewed on the Multitrip.com website. All covers are subject to an additional premium. Some age limits may apply.

  • When should I start/end my Single Trip policy?

    You will need to start your policy on the day that you leave to go on your trip and end it on the day you return back to the United Kingdom. Cover for cancellation on a Single Trip policy starts as soon as the policy is purchased.

Backpacker

  • What is the age limit on the Backpacker policy?

    49 years of age is the maximum age limit on a Backpacker policy.

  • What is the maximum stopover duration allowed?

    You are entitled to spend up to 20% or 31 days, whichever is less, of the insured duration of a trip in another area. This does not include the USA and Canada. To be covered for travel to/in the USA and Canada you must have Worldwide including USA/Canada cover.

  • What is covered in the Backpacker policy?

    The basic rate covers Cancellation/Curtailment of your trip as a result of an insured event, Emergency Medical and other Expenses, Baggage including Money, Missed Departure, Personal Accident, Personal Liability, Legal expenses and Holiday Abandonment. For full details of what is covered please see the Policy Wording.

  • What is the total duration of Wintersports activities allowed on a Backpacker policy?

    Provided you have paid the appropriate additional premium you will be covered for up to 31 days of Wintersports activities. You may use these days in any order that you choose. Wintersports definitions and policy limits can be found on the Policy Wording.

  • What is the maximum trip duration allowed on a Backpacker policy?

    We are currently able to provide a maximum of 365 days cover.

  • Can I extend my Backpacker policy for a longer duration?

    If you intend on staying overseas past your policy expiry date you will need to contact us by email/telephone at least 2 weeks before your policy is due to lapse. We can, in some cases, extend cover for a maximum total trip duration of 24 months. Each individual’s circumstances will be considered by the Underwriter, who will authorise the extension.

General Questions

  • What do you mean by UK resident?

    A resident of the United Kingdom is someone who is permanently resident in the United Kingdom and has been for the past six months prior to the issue date of your policy. We are unable to provide cover for anyone who is not a resident of the United Kingdom.

  • I’ve left the United Kingdom and forgotten to get insurance. Can I still get cover with you?

    No. Travel Insurance must be purchased prior to your departure from the United Kingdom unless you have purchased this insurance using a Wi-Fi connection whilst travelling on an aircraft or train but before you reach your first international destination.

  • What ages do I put down when getting a quote?

    Please enter your current ages. It does not matter if you have a birthday after you buy the policy; we just need your ages at the time you purchase the policy.

  • What charges do I incur when buying a policy?

    We charge a £3.95 administration handling fee per policy.

  • What charges do I incur when buying a policy over the phone?

    If you choose to book your policy through our Call Centre there is an additional £6.00 charged.

  • How will I receive my policy details?

    When you purchase insurance via our website you have the option to print off your Validation Certificate (proof of insurance) and Policy Wording once the payment has been successfully processed. You will also receive a booking confirmation by email to the email address supplied during the booking process. The booking confirmation contains your account information and details on how you can retrieve your documentation by using the “Your Policy” login section of our website.

    For those who wish to receive the documentation by post there is a £3.50 postage charge.

    If you opt to receive the text message there is a £0.99 charge. The text message contains your policy number and the Emergency Assistance telephone number.

    We strongly recommend you bring your Validation Certificate and Policy Wording with you when you travel.

  • What should I do if I need to make a change to my policy/details?

    If you need to make a change to your policy/details you can use your on-line login. There are lots of different functionalities here. If you are unable to make the required change/upgrade please contact us on 033 355 0266 and we will be happy to assist you.

  • What area do Egypt, Canary Islands, Morocco, Tunisia and Turkey come under on your policies?

    All of the above destinations would be covered on a European policy.

  • What do you mean by “medical condition”?

    A "medical condition" is any condition for which you/your travelling companion have received medical advice, treatment or medication for in the last 2 years. For further information please see below or your Policy Wording.

  • What should I or any of my travelling companions do if I/we have a medical condition?

    If you are aware, at the time of taking out your insurance, that you or a travelling companion have/had:
    Any medical condition for which you/they are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the last 2 years then you/they must contact Healthcheck on and declare your/their medical condition. Our Medical Co-ordinators will be able to tell you if the medical condition can be covered.

  • What is not covered in respect of medical conditions?

    We cannot provide cover in respect of the following:
    • Any medical condition for which you, your travelling companion or family member have received a terminal prognosis.
    • Any medical condition which you, your travelling companion or family member has not had a diagnosis.
    • Any medical condition which you, your travelling companion or family member is on a waiting list for or has knowledge of the need for surgery, inpatient treatment or investigation at a hospital, clinic or nursing home.
    • Any circumstances you are aware of that could reasonably be expected to give rise to a claim on this policy.

  • If cover is refused for my medical condition, am I still covered?

    If cover is refused for your medical condition, we will only exclude any claims relating to that medical condition. The rest of your travel insurance cover will not be affected by this exclusion.

  • I already have a policy but I’ve recently been diagnosed with a new medical condition. What do I do?

    If, at the time of taking out your insurance, you were not aware of the condition or receiving any treatment (including surgery, tests or investigations) for your condition then you will not need to declare this to Healthcheck until your policy is due for renewal.

  • Do I need to contact Healthcheck every year when my policy renews?

    Yes, you will need to contact Healthcheck each year when your policy renews to discuss cover for medical conditions.

  • What is the definition of a couple?

    A couple can be defined as two adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex.

  • What is the definition of a family?

    2 co-habiting adults/spouses and their dependent children under 19 years of age.

  • What am I covered for if I am pregnant?

    Under the Cancellation or Curtailment section of the policy you are covered if you need to cancel/curtail your trip due to unexpected complications of pregnancy and childbirth. You are also covered under the Emergency Medical and Other Expenses whilst overseas if there are unexpected complications as a direct result of pregnancy and medical attention is required. Travelling whilst pregnant is covered as long as you are not travelling against your doctor’s advice or carrier stipulation. For further details please see your Policy Wording.

  • Can I cancel my holiday/trip for any reason and get all of my money back?

    No. You may receive a reimbursement if you cancel for any reason outlined in your Policy Wording. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or a close relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time.

  • Do I need a police report for lost/stolen items?

    If you are unfortunate enough to have any lost/stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.

  • When should I contact the Emergency Assistance service?

    In the case of any medical emergency or the need to curtail your trip due to an insured reason please call our Emergency Assistance Team. Contact details for the Emergency Assistance Team can be found in your policy Summery.

  • How do I make a claim?

    All claims must be reported to our Claims Department within 31 days as soon as possible following an insured event. You must forward original documentation when claiming. You will also be required to forward a copy of your Validation Certificate and Policy Wording. Contact details for the Claims Department can be found in your Policy Wording.

  • What is an excess?

    The amount you have to pay towards the claim. In practice this is deducted from any settlement amount and is charged per person per claim.

  • What should I do if I have a complaint?

    Please refer to the complaints procedure on page 12 of the Policy Wording.

  • What are my cancellation rights?

    Once you have purchased your travel insurance, subject to the condition detailed in the note below, you are entitled to a 14 day cooling-off period. If you contact us within this cooling-off period, you are entitled to a full refund of your travel insurance policy, provided you have not travelled, made any claims on the policy or used the policy to obtain a Visa. To cancel your travel insurance and claim your refund, you can contact us by telephone on 0333 355 0266 or by email to info@annualtravelinsurance.com.

Sports & Activities

  • What Sports & Activities are covered free of charge with annualtravelinsurance.com?

    Annualtravelinsurance.com automatically provides Medical and Personal Accident cover for the following activities, conducted on an incidental basis whilst you are on holiday:

    Grade 1

    - Archery (amateur)
    - Badminton (amateur)
    - Baseball (amateur)
    - Basketball (amateur)
    - Beach Games
    - Bungee Jump (1)
    - Camel/Elephant Riding
    - Canoeing (Up to Grade 3)
    - Clay Pigeon Shooting
    - Cricket (amateur)
    - Cycling (other than specified)
    - Dinghy Sailing
    - Fell Walking
    - Fencing
    - Fishing
    - Football (amateur)
    - GAA Football (amateur)
    - Golf (amateur)
    - Hiking (under 2,000 metres altitude)
    - Hockey (amateur)
    - Horse Riding (up to 7 days)
    - Ice Skating (Rink)
    - Jet Boating
    - Jet Ski-ing
    - Jogging
    - Manual Work (bar and restaurant, waitress, waiter, chalet maids, au pair and nanny's and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)
    - Marathon Running (amateur)
    - Motorcycling up to 125cc (wearing a crash helmet, no racing)
    - Netball (amateur)
    - Non manual work (Including professional administrative or clerical duties only)
    - Orienteering
    - Outwardbound Pursuits
    - Paintballing
    - Parascending (over water)
    - Pony Trekking
    - Quad biking up to 50cc (wearing a crash helmet, no racing)
    - Racquetball
    - Rambling
    - River Canoeing (Up to Grade 3)
    - Roller Skating
    - Roller Blading
    - Rounders
    - Rowing
    - Running - sprint/long distance (amateur)
    - Safari (Ireland/UK organised)
    - Sail Boarding
    - Sailing within territorial waters
    - Scuba Diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor * see the specific question regarding Scuba Diving
    - Skate Boarding
    - Snorkelling
    - Squash (amateur)
    - Surfing (amateur, under 14 days)
    - Tennis (amateur)
    - Tour Operator Safari
    - Track Events
    - Trekking (under 2,000 metres altitude)
    - Volleyball (amateur)
    - War Games
    - Water Polo (amateur)
    - Water ski-ing (amateur)
    - White Water Rafting (Grade 1 to 3)
    - Windsurfing (amateur)
    - Yachting (racing/crewing inside territorial waters)

  • What is the difference between "Incidental" and "Non Incidental"?

    An activity done on an incidental basis means it happens randomly or casually. The activity would not be the main purpose of your trip. Non Incidental is exactly the opposite and would be pre-planned.

    Examples:

    "I am going on holiday and may have a go at Scuba Diving whilst I'm out there, if I can find a place that does it."
    That would be participation in an activity on an 'Incidental' basis.

    "I am going on a specific Scuba Diving holiday, where my main intention is to Scuba Dive" - That would be participation on a 'Non Incidental' basis.

  • I cannot find the sport or activity I want to do on this list?

    See additional Sports & Activities below in higher grades. If you still can't find your activity listed, please contact us on 0844 871 0266.

  • What additional Sports & Activities can I obtain cover for, subject to payment of an additional premium.

    What additional Sports & Activities can I obtain cover for, subject to payment of an additional premium.


    Grade 2 - A 50% Loading on your existing travel premium to cover all activities or £30 per activity if individually selected. Medical excess £320 and 50% personal accident cover reduction.

    - Boxing Training (no contact)
    - Bungee Jump (up to 3 additional jumps)
    - Black Water Rafting (Grade 1 to 4) Life jacket and Helmet must be worn
    - Camel/Elephant Riding/Trekking (non Incidental)
    - Cycle Touring
    - Go Karting (Specific use)
    - Horse Riding (no Polo, Hunting Jumping)
    - Hot Air Ballooning (non Incidental)
    - Hurling (amateur)
    - Jet Skiing (non Incidental)
    - Martial Arts (Training only)
    - Mountain Biking
    - Parascending (over water, non Incidental)
    - Rambling/Trekking between 2,001m and 4,200m
    - Safari (non-Irl/UK organised)
    - Scuba Diving* (non Incidental/down to 50m) if qualified and not diving alone or accompanied by a   qualified instructor (see notes below)
    - Sea Canoeing
    - Sea Fishing (non Incidental)
    - Surfing (amateur)
    - Tandem Skydive (up to 2 jumps maximum)
    - Triathlon
    - White Water Rafting (Grade 4)
    - Waterskiing/ Windsurfing/Snorkelling (non Incidental)

    Grade 3 - A 100% loading on your existing travel premium to cover all activities or £75 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.

    - Abseiling
    - American Football (amateur)
    - Gliding
    - Kayaking
    - Motorcycling (with a motorcycle licence, over 50cc wearing a crash helmet - no racing)
    - Paragliding
    - Rambling/Trekking between 4,201m and 6,000m (professionally organised with experienced   operators - max age 45 yrs)
    - Rugby (amateur competition)
    - Sand Yachting
    - Yachting (racing/crewing) outside territorial waters

    Grade 4 - A 200% loading on your existing travel premium to cover all activities or £112.50 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.

    - Hand Gliding
    - High Diving under 5m (amateur, excluding cliff diving)
    - Horse Jumping (no Polo, Hunting)
    - Micro Lighting
    - Parasailing
    - Rock Climbing (under 2,000m)
    - Rock Scrambling (under 4,000m)
    - Canyoning
    - Kite Surfing

  • Amateur is listed next to some of the Activities, what does this mean?

    Amateur status is listed beside such sports as running, rugby, football, surfing , tennis and Waterskiing, this means that if you intend to play these sports abroad professionally (i.e. you will be receiving a monetary reward for participation in them) there is no cover under the terms and conditions of the policy for this.

  • Does Annualtravelinsurance.com cover scuba diving?

    Beginners: (This cover is provided free of charge) on an incidental basis.

    Scuba diving to the following depths is covered provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:


    • PADI Open Water - 18 metres
    • PADI Advanced Open Water - 30 metres*
    • BSAC Ocean Diver - 20 metres
    • BSAC Sports Diver - 30 metres*
    • BSAC Dive Leader - 30 metres*

    We must agree with any equivalent qualification. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres.

    You will not be covered under this policy if you travel by air within 24 hours after participating in scuba diving.

    Advanced: (This cover is subject to Grade 2 Activities additional premium) for greater dive depths and non incidental coverage.

    Scuba diving to the following depths is covered provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:

    • PADI Open Water - 18 metres
    • PADI Advanced Open Water - 30 metres
    • BSAC Ocean Diver - 20 metres
    • BSAC Sports Diver - 35 metres*
    • BSAC Dive Leader - 50 metres*

    We must agree with any equivalent qualification. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres.

    You will not be covered under this policy if you travel by air within 24 hours after participating in scuba diving.

  • What is the maximum altitude allowed for trekking?

    Grade 1:
    - max 2,000 metres altitude.

    Grade 2 (subject to additional premium):
    - max 4,200 meters altitude.

    Grade 3 (subject to additional premium/max age 45):
    - max 6,000 metres altitude.



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