Covered2go may provide cover for pre-existing medical conditions, so long as these have been declared to and accepted by our Medical Screening Service.

You can complete your medical screening online, simply click here to get started. The link will open a new webpage and you can begin screening immediately.

You can arrange cover for pre-existing medical conditions before or after you purchase your Covered2go Policy, but please note, two transactions will be required i.e., to purchase the policy for medical cover and your Covered2go Policy.

We will be integrating medical screening into our customer journey soon, to further enhance your online experience and we appreciate your patience with us while we get this in place.

If you would prefer to speak to the Medical Screening Service, please call +44 (0)330 311 2648.

Prices vary depending on certain factors, such as age, destination, the trip duration and the level of cover chosen. To obtain a quote, simply click here Get A Quote.

You can buy a policy online using one of the following debit or credit cards: Mastercard, Maestro and Visa. Enter your trip details and follow the process outlined.

Covered2go Travel Insurance uses a secure payment gateway that makes the debit/credit card transaction directly and securely through the bank. We do not have any access to your card details as the payment will be approved or declined by your banking institution. The connection through to your bank uses a 40bit encrypted SSL Web Server Certificate so that the information is encrypted or scrambled making it impossible to intercept or steal. Once the payment has been made your Travel Policy will be instantly confirmed by email.

A policy must start before leaving the UK. You cannot purchase a Covered2go policy if you have already started your travels.

Single Trip & Longstay Policies – The start date and end date of the policy should correspond with the dates of travel (from the date you leave your home address within the UK to the date your return back to your home address). Cancellation cover will become effective on the date the premium is paid and the policy is issued.

Annual Multi Trip Policy – Unlike the Single Trip and Long Stay policy, an Annual policy should start when a holiday is booked (and not the start date of the first trip) so that the pre-travel cancellation cover is in force, as detailed in section 1 of the policy wording. These policies will terminate on the expiry date of your policy, as detailed on your certificate of insurance.

Cover is only available to persons resident in the United Kingdom and is only valid for round trips starting and returning to the United Kingdom. You must have a permanent residential address in the United Kingdom and unrestricted right of entry to the United Kingdom. This also includes residents of The Channel Islands.

Our Annual Multi-Trip Policy provides cover for trips up to 31 days as standard. Trips of up to 45 days and 60 days can be purchased upon payment of an additional premium. Annual winter sports policies have a maximum winter sports trip limit of up to 30 days per period of insurance.

We also offer Single Trip policies of up to 365 days, and a Long Stay Policy of up to 558 days trip duration.

Yes. Our Annual Multi-Trip Policy provides cover for trips up to 31 days as standard. Trips of up to 45 days and 60 days can be purchased upon payment of an additional premium. Longer durations may be considered.

There are a number of conditions and exclusions which apply to all our policies. These can be found in the relevant Policy Wordings.

Yes, providing that this section is covered under your policy. There is also a sub-limit within the personal money section for cash. Please refer to the policy wording for details on the cover limit for loss of cash.

All the relevant contact numbers are summarised on page 4 of your policy document. These can also be found by clicking the Contact Us tab on the website.

You must select the appropriate Winter Sports activity of your choice from within Sports and Activity Levels 3 or 4.

When you buy a policy, we will send you an email confirming your purchase of cover immediately. Please note that some email providers do place our Confirmation emails into SPAM/JUNK folders, due to their automated nature.

If you have not received your documents, you can view these within the Customer Hub section of our website. Alternatively, please feel free to contact us and we can look into this for you.  

Please email enquiries@covered2go.co.uk with full details of the changes required. It is our aim to respond to you within 48 hours.

You can upgrade your existing policy by using the customer hub and following the instructions (download the customer hub guide here) or by contacting a member of our UK based Customer Services Team by email at enquiries@covered2go.co.uk or call on 0333 400 7745. We are available to answer queries Monday – Friday, 9am – 5.30pm.

MILLSTREAM CLAIMS – FOR POLICIES UNDERWRITTEN BY MILLSTEAM / ISSUED ON OR AFTER 14 October 2021

The quickest and easiest way to make a claim on your Covered2Go Travel insurance is online.

• Submit a claim online any time
• Upload your supporting documents
• Save at any point and complete your claim later

Click Here to Make a Claim Online

Alternatively, you can contact the Claims Service by email on claims@mstream.co.uk or by phone on 0330 660 0785.

TIFGROUP CLAIMS – FOR POLICIES UNDERWRITTEN BY TIFGROUP / ISSUED BEFORE 07 JULY 2021

 Contact the Claims Department for a claim form by visiting www.policyholderclaims.co.uk or by phone on 0203 829 6761.

WHITEHORSE CLAIMS – FOR POLICIES UNDERWRITTEN BY WHITEHORSE ISSUED BETWEEN 7 JULY AND 13 JULY 2021

Contact the Claims Department for a claim form by visiting www.policyholderclaims.co.uk or by phone 0203 829 6603.

Yes. Our policies do provide cover for irrecoverable sums paid prior to Financial Failure of your transport, accommodation, or holiday provider.

We also provide cover for additional pro rata costs to replace travel arrangements in the event of Financial Failure after your departure.

As is consistent with the treatment of all medical conditions under the policy, the policy does not intend to cover the normal costs or financial losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The policy does, however, cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery. 

We will provide cover for Strikes under the Travel Disruption and Missed Departure sections of our policies:

Travel Disruption – Cover for if an unexpected Strike leads to your arrival at your destination/return journey being delayed for more than 12 hours. Or, cover for if you choose to abandon your trip if your travel carrier cannot get you to your destination within 24 hours.

Missed Departure – Reasonable additional accommodation and public transport travel expenses incurred in reaching your destination if you fail to arrive at the departure point in time to board your public transport due to Strikes.

Our Insurance Certificate contains all the necessary details regarding your policy including any emergency contact numbers that you may need when abroad.

You should also check the entry requirements for the country that you intend to travel to as they may require additional documents to enter the country.  You can check the entry requirements for your destination by checking the FCDO website.

Adults are free to independently travel on their policies, whether this be a Couples or Family policy. However, children listed on Family or Single Parent Family policies must travel with at least one of the adults named on the policy schedule for cover to be provided.