Frequently Asked Questions

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 as long as you do not exceed the maximum trip duration, or total days allowed in any one Period of Insurance. Your maximum trip duration is noted on your Validation Certificate.

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

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.

Unfortunately these trip durations cannot be extended. If you require cover for a longer period than allowed on your Annual Multi-trip policy, you may need to purchase a Single-trip policy to cover the entire duration.

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 by email 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 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.

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.

A resident of the United Kingdom is someone who permanently resides in the United Kingdom (excluding Channel Islands and Isle of Man), 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.

You must purchase your travel insurance prior to your departure from the United Kingdom.

Please enter your age at the time you purchase the policy.

We charge a £3.95 online administration handling fee per policy.

If you choose to book your policy through our Call Centre there is an additional £3.95 charged.

When you purchase insurance from us, you will receive a booking confirmation to the email address supplied during the booking process, once payment has been successfully processed. This email will have your Validation Certificate, Policy Wording and Terms of Business attached. You are also able view your policy documentation via your online account, which can be accessed using the 'Policy Login' section of our website.
If you wish you can also request to receive your documents by post as well as email, or by contacting us on 0333 355 0266. Please be mindful of your environmental impact when requesting your documents to be sent by post.
We strongly recommend you bring your Validation Certificate and Policy Wording with you when you travel.
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.

If you need to make a change to your policy/details, you can use your 'Policy Login'. There are lots of different functionalities here.
If you are unable to make the required change/upgrade, please contact us on 0333 355 0266, and we will be happy to assist you.

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

A medical condition means any person to be insured who has:

• cancerous condition
• respiratory and/or lung condition (including but not limited to asthma or COPD)
• diabetes, heart or circulatory conditions (problems with blood flow, including strokes, high blood pressure, and cholesterol), heart attack, angina, transient ischaemic attack, ischemic heart disease, or any other heart condition and/or brain haemorrhage
• received an organ transplant or dialysis
• psychological conditions such as stress, anxiety, depression, or psychiatric condition such as eating disorders, drug or alcohol abuse or mental instability

In the last two years:

• been a registered in or out-patient
• been prescribed medication or required medical treatment
• had any routine review, medical test, or check up for any previously diagnosed medical condition

If you or any person to be insured has a medical condition, we need to ask you some medical questions before we can provide a quote. If you are declaring on behalf of another person, you must have their permission to do so, and be fully aware of their medical history. You must declare ALL existing medical conditions for all people on the policy. If you declare some medical conditions and not others, your policy may be cancelled, or treated as it never existed, and your claims may be rejected or not fully paid. You cannot choose to exclude any medical conditions. You will not need to know the names of the medication you are taking.

If the policy does not cover your medical condition(s), all claims directly or indirectly related to that medical condition will be excluded. The rest of your travel insurance cover will not be affected by this exclusion.

You must tell us if Your state of health changes (i.e. if You develop a new Medical Condition) at the earliest opportunity and consult with your medical practitioner but in any case before You book or commence Your trip, or pay the balance or any further instalments for Your trip. Please call us on 0333 355 0266.

A couple means a married couple, a couple in a civil partnership, or a couple of either sex that live together as though they were husband, wife or civil partners for at least 6 months.

Family means up to two adults and four children, step-children or foster-children aged under 18 accompanying the parents or legal guardian, insured on the same policy travelling on any trip to the same destination. Under Annual Multi-trip cover any child under 18 years cannot travel independently.

We provide cover under this policy if something unexpected happens. We do not consider pregnancy or childbirth to be an illness or injury. Cover is automatically provided under section A (Cancellation or Curtailment) and section B (Emergency Medical and other Expenses) for complications of pregnancy and childbirth which developed after You have taken out the policy, or booked a Trip (whichever is later), provided Your medical practitioner and midwife are aware of Your travel plans and that You are not travelling against medical advice. For further details please see your Policy Wording.

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.

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.

In the case of any medical emergency or the need to curtail your trip due to an insured reason, please contact Zurich Assist. Contact details can be found in your Policy Wording or please refer to the Claims page.

Please refer to the Claims page for further details.

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.

Please refer to the complaints procedure of the Policy Wording.

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.

The policy automatically provides cover for Personal Accident and Emergency Medical Expenses for the activities listed under Grade 1 in your Policy Wording once they are conducted on an incidental basis whilst you are on holiday. See Policy Wording for full details.

See additional sports and activities below in higher grades. If you still can't find your activity listed, please contact us on 0333 355 0266.

We can also provide cover for additional activities under Grade 2-4, subject to an additional premium. See Policy Wording for full details or contact us on 0333 355 0266.

Beginners: (This cover is provided free of charge).
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.

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.

Grade 1 covers as standard trekking, rambling, hiking under 3,000m and on recognised routes.