Your questions answered

Q   What cover is available under my policy in relation to Coronavirus or FCO change in advice? 
A   From 16th March 2020, there is no cover under this policy for: 

- Cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises you not to travel, for example where the FCO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2) or any mutation of Coronavirus, COVID-19 or SARs-COV-2. 

- Any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. 

Except for the Emergency Medical Expenses section. 
We will still provide cover for emergency medical expenses and repatriation if you need emergency medical treatment whilst away.

This will only apply if you did not travel against the published advice of the FCO, any local government, local authority or WHO.

Q   Do you have any age limits?
A   yes, we can offer single trip insurance to travellers aged up to 85 and annual travel insurance to travellers aged up to 75

Q   Are there any medical conditions you can't cover?
A   we can cover virtually most diagnosed medical conditions, we cannot cover you if you are awaiting investigation to determine what condition you have - it must have been diagnosed for us to insure you.

Q   I didn't receive my documentation from you!
A   this sometimes happens as our email to you may be sent to a 'junk' folder within your email providers settings. All our documentation is sent by email very quickly after you buy from us. Please check your junk files before contacting us, and ensure you enter your email address correctly!

Q   Why does my policy cost more than my holiday!?
A   We're not insuring the holiday (other than for cancellation), we're insuring YOU, and the medical bills you may incur while you are away