Answers to Your Travel Insurance Questions

If you've never used travel insurance before - or even if you have - it's likely you have some questions about how travel insurance works, how to choose the right policy, and whether it's worth it for you to purchase it at all.

We've compiled the most frequently asked questions from our customers to help you understand travel insurance and its benefits, and select the right level of cover for your needs. You'll also find answers about how to make a claim, and how the claims process works.

Frequently Asked Questions

  1. Why am I being asked which country I am spending most time in?

    We ask this so we can cover you correctly for your trip. We need to identify the country in which you plan to spend most of your time. If for any reason you are unsure, for example you have a flexible itinery, then this should be your best guess at the time you buy your insurance. This will not affect your premium or your cover. You do not need to tell us if you change your plans.

  2. Would my policy cover me against redundancy?

    Our policy can provide cover for cancellation or cutting short a trip as a result of the redundancy of the policyholder and/or their travel companion. If you are being made redundant from full-time, continuous, permanent employment and are entitled to payment under the current redundancy payment laws, then you will qualify for cover if redundancy was unforeseeable at the time of booking your trip. Please refer to the Policy Wording for more information.

  3. Do you cover loss of baggage?

    Our policy does provide cover for loss, theft and damage to your baggage. The amount you can claim up to will depend on the plan you choose to purchase. Please note, item limits and some exclusions do apply.

  4. Is the 'start date' for Single Trip and Annual Multi-Trip policies different?

    Annual Multi-Trip policies are designed to cover you for multiple trips during a full-year period. The ‘start date’ you select is the date from which cover begins under your policy. You can choose the limit on the number of days per trip that you are allowed from 30, 45 and 60 days per trip. Your trips must not exceed a total of 120 days during the period of your policy.

    The ‘start date’ for your Single Trip policy is the start date of the trip you plan to take. A single trip must not exceed 90 days. However, if you are aged 71 or over, this is limited to 31 days.

  5. How many accompanied children are allowed to travel on a policy?

    There is no limit to the number of accompanying children, as long as you are the children's guardian whilst on the trip.

    Accompanying children are defined as the children or grandchildren of you or your partner and will include stepchildren, step-grandchildren and fostered or adopted children or grandchildren, provided that they are:

    • under 18-years-old on the date the travel insurance cover commences (or under 22-years-old if still in full-time education);
    • dependent on you or your partner (or in the case of grandchildren dependent on you or your partner or their parent(s));
    • not married or living with their partner.

  6. Do I need to pay an excess?

    The amount of excess you pay per person depends on the plan level of your policy. The excess amounts per plan level are:

    • Basic: £100 per section
    • Standard: £75 per section
    • Extra: £50 per section

    However, if your claim relates to loss of deposit resulting from a cancellation or having to cut short a trip, the excess amount across all plan levels is £25 per person.

    For instance, where claim costs have been reduced as a result of making use of reciprocal healthcare agreements, we waiver the excess on the policy. This means if you have to submit this type of claim there will be no excess deducted from the total amount reimbursed.

  7. How long do I get to cancel a policy?

    We are confident you will be happy with your Cover-More UK policy. However, you are entitled to a full refund of your insurance policy premium if you contact our customer service line on 020 3695 7574 (available Monday to Friday, 9am-5.30pm) within 14 days of the policy being issued.

    To be eligible for the 100 per cent refund of premium, your trip must have not have started and you must not have made and/or do not intend to make a claim.

  8. Can I purchase Cover-More Travel Insurance if I don't live in the UK?

    To be eligible to purchase a Cover-More travel insurance policy you must be a resident of the UK. This means you must have a permanent UK address and be living in the UK at the time the policy is issued.