Travel Insurance

The main difference is that a single trip policy covers you only for that specified holiday/ trip, whereas an annual policy will cover you for multiple trips made during the year without having to notify us. The cover and the limits offered for our annual and single trip policies are identical.

An annual policy is more suited for someone who is likely to travel more frequently as it is more cost efficient.

Yes, but any claims relating to those pre-existing conditions will be excluded from the policy.

A pre-existing condition is defined as any medical condition which existed prior to a journey affecting you and/or any close relative and/or travelling companion, including but not limited to (a) a condition for which the person is on a waiting list for hospital in-patient treatment, (b) a condition referred to a medical specialist, (c) a condition or the cause of in-patient treatment within 12 months prior to the journey or (d) a condition for which a terminal prognosis has been provided by a medical practitioner.

Yes, provided you are with an instructor and you are diving no deeper than 30m.

If the insured is less than 16 years old, he/she is considered a child. Anyone over this age, is classified as an adult. The maximum age that we will accept is 75 years of age.

No, however a reduced rate is charged but they still need to be added into the policy.

The main reason we impose an age limit of 65 years on our travel policies is because of the high propensity and probability of claims within this age group due to ill health. If we covered these risks, the result would be a general uplift in all premiums. However, we try to be accommodating and flexible so if there are cases where the age limit is a problem then please call our customer service team.

Under the terms of our policy, we can offer travel insurance for any travel up until 10 weeks prior to the estimated due date of delivery. After this, there is exclusion for any claim arising from the pregnancy concerning the medical, cancellation, or curtailment sections of the policy.

This is set by you when applying for single trips up to a maximum of 62 days. For annual policies, the maximum is also 62 days.

Yes, we do offer a skiing option that provides cover on a range of skiing benefits for customers who want to take part in normal winter sports activities. Please tick this box when requesting an online home insurance quotation. A premium charge will be made for this extension.

War and terrorism are standard exclusions under the terms and conditions of this and most other Travel Insurance policies.

Cancellation on the grounds of war or terrorism isn't covered by your policy.

We have a dedicated 24 hours a day, 365 days a year Assistance Centre that you can contact from anywhere in the world. Simply call +44 (0) 20 8762 8008 and they can provide you with the help that you need including repatriation back to the UAE if deemed medically necessary