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Travel Insurance FAQ's

We are pleased to provide you answers to some of the most commonly asked questions about travel insurance from Covered2go. If you have any additional enquiries, please contact us at: enquiries@covered2go.co.uk

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Purchase
 
How much does a policy cost?
Prices vary depending on the policy type, duration of the trip, where you are travelling to, the age and number of people travelling and whether any of the various options are required. Get a quote today and save 15% online.
 
How can I buy a policy?
You can buy a policy online using one of these debit/credit cards: Visa, Mastercard, Maestro, Solo. Follow the process outlined above and if you are happy with the cover and price continue to the payment screen entering your card details.
 
How do I know that buying my policy online is secure?
Covered2go Travel Insurance uses a secure payment gateway that makes the debit/credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form, we simply get approval or decline from the banking institution. Once authorised, it's instant travel insurance cover – your confirmation email, policy document and other associated documentation is then emailed to you within a matter of minutes for you to print as required. This connection through to the bank uses a 40bit encrypted SSL Web Server Certificate so that any information is encrypted or scrambled, making it impossible to intercept or steal.
 
Cover

What if I change my mind about buying the policy?
You have a ‘cooling off’ period where, should you decide that you find that the terms and conditions do not meet your requirements and provided you have not travelled or claimed on the policy, you can advise your sales agent within 14 days of purchase for a full refund to be considered. Please refer to policy wording for full details on how to cancel your policy. Contact us by email at: enquiries@covered2go.co.uk or phone 0344 482 7755
 
Can I buy Covered2go travel insurance if I am not a resident of the United Kingdom or Channel Islands?
No, you are only covered if you have been resident in the UK or Channel Islands for the last six months.

Does it matter who I book my travel arrangements through?
No, Covered2go travel insurance may be purchased independently.
 
Does Covered2go offer an Annual multi-trip policy?
Yes, apart from policies for Single Trips of up to 365 days and Longstay of up to 548 days, we also offer Annual multi-trip cover. The Annual multi-trip policy provides cover for any number of trips throughout the policy year, with the standard maximum duration of any one individual trip being no longer than 31 days. This can be increased, upon payment of an additional premium, to either 45 days or 60 days per trip. Cover within the UK is also included although certain terms apply (see policy document for full details).
 
Is there an age limit on the Covered2go travel insurance policy?
Our Single Trip policy has no maximum age limit. Our Annual multi-trip policies are available to customers up to 79 years of age. If you are purchasing our Longstay policy, then the maximum age is 64 years of age. 
The Single and Multi Trip policies have the following exclusion for Accidental Death and Disability Benefit:

No cover is provided under this section for:
  • any payment for permanent disablement when your age is over seventy five (75) at the time of the incident
 
When does cover begin and end?
You are covered according to the dates you select on your quotation. These will be confirmed on your policy schedule once the policy is purchased. Trip cancellation insurance for Single Trip and Longstay policies is effective from the point of purchase and for Annual multi-trip policies from the date you select cover to start. The other aspects of cover take effect when you commence your journey. Single Trip and Longstay insurance cover ends on arrival back in your home country or on the date shown in your policy, whichever is the earlier. Annual multi-trip policies terminate on the expiry date of the policy.

What is the maximum trip length?
Single Trip cover can be purchased for trips up to 365 days. Our Annual multi-trip policy covers you for a year but no one trip within this period can exceed 31 days duration, unless the 45 day or 60 day extension has been purchased for an additional premium. If you are purchasing one of our Longstay policies then the maximum trip duration is extended to 548 days.
 
What if I have a medical condition?
The Covered2go Policy you choose may not cover any claims that arise from your pre-existing medical conditions. If you answer ‘yes’ to any of the questions below then you must declare the relevant conditions to us. For us to consider your pre-existing medical conditions please contact the Travel Administration Facilities on 0203 829 6587 or go to www.covered2go.protectif.co.uk to purchase your medical conditions cover online. You may be required to pay an additional premium if you wish for your declared medical conditions to be covered and whilst all conditions are considered they may not all have the option for cover. Please note that you have the choice to purchase your Travel Insurance Policy before or after calling Travel Administration Facilities. Covered2go provide a 14 day cooling off period should you wish to cancel your Policy. Please read and answer the following accurately and carefully:
Medical conditions
 
Am I covered for skiing or other adventure activities?
Covered2go travel insurance covers up to 97 adventure activities included as standard. Cover for winter sports including skiing and snowboarding is only applicable when the additional premium has been paid to add winter sports to your policy. If you are taking part in any activities within Activity Packs 2 – 8, the applicable premium must be paid to cover your activity. Please refer to the Covered Hazardous Activities within the policy document to see a full list of Sports and Activities. If you have any queries about a sport you want to take part in on holiday please call us on 0344 482 7755 or email enquiries@covered2go.co.uk
 
Am I covered for loss of cash?
Yes, providing that this section is covered under your policy. Also there is a sub-limit within the personal money section for the amount of cover we provide for cash. Please refer to the policy wording for details on the cover limit for loss of cash.
 
In respect of Scheduled Airline Failure, what do you mean by 'inclusive holidays'?
Inclusive holidays is where a flight is purchased with other component parts of the trip e.g. through a tour operator. Where one or more components are booked at the same time. These trips are usually covered under the Air Travel Organisers License (ATOL) arranged by the Civil Aviation Authority (CAA).. The Holiday Financial Failure cover has been designed to include everything outside the ATOL e.g. flight only bookings or where policyholders build up their holidays themselves by booking the end suppliers directly (e.g. arrange flight, then book directly with hotel and arrange taxi from airport etc).
 
Policy

How do I get my insurance documents?
Covered2go travel insurance is all online, so we do not send any policy documents in the post, unless requested to do so. When you buy a policy, we send you an email confirming your purchase of cover. Please note that some email providers do place our Confirmation emails in SPAM / JUNK email folders, due to their automated nature. If you require your Documents to be resent, please email enquiries@covered2go.co.uk.
 
Can I purchase a policy if I have already started my journey?
No, you cannot purchase a Covered2go policy if you have already started your travels.
 
Which geographical area do I choose?
Find out which Geographical area you need here.
 
If I have any queries, who do I contact?
Contact the Covered2go Sales Team for a quote or any queries prior to purchasing a Policy
Our friendly sales team are open from 8AM-8PM Monday to Friday and 9AM-5PM on Saturdays. Call us now on 0344 482 7755 and speak with a member of our friendly UK based sales team.
Contact the Covered2go After Sales Team for amendments and upgrades
If you have purchased a Covered2go policy and wish to discuss any aspect regarding your existing policy, then please get in touch with us on 0344 482 7755 or email enquiries@covered2go.co.uk. The After Sales Team are open from 9AM until 5.30PM, Monday – Friday. 
 
Claims

Can I still claim even if I don't have receipts for all my personal possessions?
Yes. These claims will still be considered please be aware though that when we receive a personal possessions claim, you will still be asked to provide proof of ownership for the lost or stolen items. We understand that you might not be able to produce receipts for each and every item, however, we do expect that you should be able to provide some evidence of ownership. Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails and you should ask yourself, "Do these documents conclusively prove that I owned this item?".
 
Who do I contact in the event of a medical emergency?
The medical emergency team is available 24 hours a day to assist you. You can reach them by calling the UK on +44 (0) 203 829 6745;
 
Who do I contact to make a claim under my Single Trip or Annual Multi Trip Policy?
We have appointed Travel Claims Facilities to look after your claim. If you require a claim form please obtain a form from the internet at: www.travel-claims.net
Alternatively please advise the section of the insurance on which you want to claim and scheme reference to:
Travel Claims Facilities
1 Tower View
Kings Hill
West Malling, Kent
ME19 4YU
Telephone: 0203 829 6761
fax: 0870 620 5001

Who do I contact to make a claim under my Longstay Policy?
We have appointed Travel Claims Facilities to look after your claim. If you require a claim form please obtain a form from the internet at: www.travel-claims.net
Alternatively please advise the section of the insurance on which you want to claim and scheme reference to:
Travel Claims Facilities,
1 Tower View, Kings Hill
West Malling, Kent, ME19 4YU
telephone: 0203 829 6761
fax: 0870 620 5001
 
How am I ever going to remember all these different contact numbers?
We have made this easy for you. All the relevant contact numbers are summarised on the second page of
your policy document. These can also be found by clicking the 'Contact Us' tab on the website.
 
If you are still unsure about any of our Products please do not hesitate to contact our enquiries team directly via email at enquiries@covered2go.co.uk.