TRAVEL INSURANCE EXPLAINED
What is travel insurance?
Travel insurance can help protect you against certain unexpected costs and events before and during your holiday. Depending on the cover level selected, this may include cancellation, emergency medical treatment, repatriation, lost or stolen belongings and travel disruption.
The right policy will depend on where you are travelling, how long you will be away, how often you travel and the activities you have planned.
Covered2Go offers Silver, Gold and Platinum cover levels, helping you compare different levels of protection and select an option that suits your travel plans and budget.
Covered2Go travel insurance at a glance
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Single Trip, Annual Multi-Trip and Longstay options
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Silver, Gold and Platinum cover levels
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European and worldwide destination options
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Medical screening available for pre-existing conditions
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Optional Cruise, Winter Sports, Golf and activity cover
Before purchasing: Check that your policy covers your destination, full trip duration, planned activities and any medical conditions that need to be declared. Cover limits, terms, conditions and exclusions apply.
CHOOSE YOUR POLICY
Which type of travel insurance do I need?
The right policy will depend on how often you plan to travel and how long you will be away. Covered2Go offers options for one-off holidays, multiple trips throughout the year and longer continuous journeys.
ONE HOLIDAY
Single Trip travel insurance
Cover for one specific holiday lasting up to 365 days. Single Trip cover is available for eligible travellers up to age 99.
MULTIPLE HOLIDAYS
Annual Multi-Trip travel insurance
Cover for multiple holidays during a 12-month period. Each trip can last up to 31 days as standard, with 45 or 60-day extensions available for an additional premium. Available up to age 85.
LONGER JOURNEYS
Longstay travel insurance
Cover for one extended trip lasting up to 18 months. Longstay cover is available for eligible travellers aged 64 and under.
Cover for different travellers
Find more information about travel insurance for families, couples, groups, solo travellers and travellers over 65.
WHAT YOUR POLICY CAN INCLUDE
What does Covered2Go travel insurance cover?
Covered2Go offers Silver, Gold and Platinum cover levels with different benefit limits. Depending on the option selected and the circumstances of your claim, your policy can include the following protection.
Emergency medical expenses
Up to £10 million per insured person for eligible emergency medical treatment, hospital costs and repatriation if you become ill or injured while travelling.
Cancellation and curtailment
Up to £10,000 per insured person if you need to cancel your holiday or return home early for a reason covered by the policy.
Baggage and belongings
Up to £5,000 per insured person for personal belongings that are lost, stolen or accidentally damaged. Single-item and valuables limits apply.
Travel disruption
Cover for certain travel delays, missed departures or connections and other disruption caused by reasons specified within the policy.
Personal liability and legal expenses
Up to £2 million personal liability cover and up to £25,000 legal expenses cover, depending on the cover level selected.
End Supplier Failure
Up to £10,000 per insured person if an eligible travel or accommodation supplier experiences financial failure, subject to the policy terms.
Cover limits vary between Silver, Gold and Platinum. Sub-limits, excesses, terms, conditions and exclusions apply. Review the policy wording and compare the available cover levels before purchasing.
COMPARE YOUR OPTIONS
Compare Silver, Gold and Platinum travel insurance
Choose from three levels of cover based on your holiday costs, belongings and the amount of protection you require. The table below compares some of the main benefits available.
| Cover benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Cancellation | £2,000 | £5,500 | £10,000 |
| Emergency medical expenses | £5 million | £10 million | £10 million |
| Baggage and belongings | £1,500 | £3,000 | £5,000 |
| Valuables | £500 | £1,000 | £2,000 |
| Travel delay – maximum | £150 | £210 | £600 |
| Missed departure or connection | £600 | £1,000 | £2,000 |
| Personal liability | £2 million | £2 million | £2 million |
| Legal expenses | £15,000 | £25,000 | £25,000 |
| Policy excess | £75 | £50 | Nil |
Limits shown are per insured person unless stated otherwise. Exact benefits will depend on the product and cover level selected. Sub-limits, excesses, terms, conditions and exclusions apply.
MEDICAL CONDITIONS
Can travel insurance cover pre-existing medical conditions?
Yes, cover may be available for a wide range of pre-existing medical conditions following medical screening. Having a medical condition does not automatically mean you will be unable to get travel insurance.
Each traveller’s circumstances are considered individually. An additional premium or special policy terms may apply, depending on the outcome of the screening.
Conditions covered automatically
The current policy automatically covers acid or gastric reflux, acne, blindness or partial sight, cataracts, deafness or partial hearing loss, glaucoma, hay fever, hypothyroidism, IBS and PCOS. These conditions do not need to be declared and no additional premium applies.
When medical screening is required
Except for the conditions covered automatically, you must declare medical conditions for which you have received treatment, advice or medication during the last 12 months. If cover is accepted, an additional premium and medical screening endorsement may apply.
Changes to your health
If you receive treatment, advice or medication for a new condition after purchasing your policy but before travelling, you must tell the Medical Screening Service. Your cover may need to be reviewed before your trip.
Find out more about medical conditions cover
Learn which conditions need to be declared, how medical screening works and why accurate medical information is important.
Destination cover
Which geographical area should I choose?
Your travel insurance must cover every destination on your itinerary. Covered2Go offers cover for UK, European, Australia and New Zealand, and worldwide travel. The geographical area you select will be shown on your policy schedule.
United Kingdom
Cover for eligible trips within England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
UK trips must include at least two consecutive nights in pre-booked accommodation.
Europe
Suitable for holidays across the European geographical area, including popular destinations such as Spain, France, Greece, Italy, Portugal, Turkey and Cyprus.
The European area also includes selected countries and territories outside mainland Europe. Check the policy wording for the complete list.
Australia and New Zealand
Suitable if your trip is to Australia, New Zealand or both, without requiring full worldwide cover.
Remember to check that any stopovers and additional countries on your itinerary are included within the geographical area shown on your policy schedule.
Worldwide excluding the USA, Canada and the Caribbean
Covers worldwide destinations outside the USA, Canada and the Caribbean. This may be suitable for trips to destinations such as Mexico, Thailand, Dubai, Japan or South Africa.
This area also includes the UK, Europe, Australia and New Zealand.
Worldwide including the USA, Canada and the Caribbean
Full worldwide cover, including trips to the USA, Canada and Caribbean destinations, where private medical treatment can be particularly expensive.
Select this area if any part of your itinerary includes the USA, Canada or the Caribbean.
Check your complete itinerary
Make sure your selected geographical area covers every country you plan to visit, including stopovers where you intend to leave the airport. Cover is also subject to current Foreign, Commonwealth & Development Office travel advice and the terms of your policy.
Optional cover
Can I add extra cover for cruises, sports and activities?
Yes. You can tailor your Covered2Go travel insurance by selecting additional cover for certain holidays, activities and equipment. An additional premium may apply, and the relevant option or activity level must be shown on your policy schedule.
Cruise Cover
Add cruise-specific protection for situations such as missed port departures, skipped ports, cabin confinement, shore excursions and cruise interruption.
Winter Sports Cover
Planning to ski or snowboard? Select the appropriate activity level for protection that can include winter sports equipment, replacement hire, ski packs and piste closure.
Golf Cover
Add extra protection for golf equipment, replacement equipment hire and unused green fees, subject to the cover level selected.
Business Travel Cover
Travelling for work? Business travel cover options can provide additional protection for eligible work-related trips, equipment and activities.
Sports and Activities Cover
Many activities are available across four cover levels. Level 1 activities are included, while Levels 2, 3 and 4 require an additional premium.
Select the right cover before you travel
Cover only applies when the relevant option or activity level has been selected, any required additional premium has been paid and the cover appears on your policy schedule. Always check the policy wording for benefit limits, conditions and exclusions.
Important exclusions
What isn’t covered by travel insurance?
Travel insurance is designed to cover unexpected insured events, but it does not cover every situation. Common exclusions include undeclared medical conditions, known circumstances, travel against official advice and activities that are not included on your policy.
Undeclared medical conditions
Medical claims may not be covered if you have not declared a condition when required, completed the relevant medical screening or told us about a change in health before travelling.
Known events or circumstances
Claims caused by circumstances you knew about when you booked your trip or purchased your insurance may not be covered if you could reasonably have expected them to result in a claim.
Travel against official advice
Cover may not apply if you travel against Foreign, Commonwealth & Development Office advice or fail to follow official health, safety or preventative guidance.
Unselected activities and upgrades
Higher-risk sports, winter sports, cruises and other optional activities may not be covered unless the appropriate cover has been selected, any additional premium paid and the option shown on your policy schedule.
Alcohol, drugs and illegal acts
Claims may not be covered if they result from excessive alcohol affecting your judgement, non-prescribed drugs, deliberate exposure to exceptional risk or an illegal or criminal act.
Planned or routine treatment
The policy does not cover trips taken to obtain medical treatment or the cost of routine, elective or non-emergency treatment that can reasonably wait until you return home.
This is not a complete list of exclusions
Cover limits, conditions and exclusions also apply to individual sections of the policy. Read the policy wording and your policy schedule carefully to make sure the cover is suitable for your trip.
Important exclusions
What isn’t covered by travel insurance?
Travel insurance is designed to cover unexpected insured events, but it does not cover every situation. Common exclusions include undeclared medical conditions, known circumstances, travel against official advice and activities that are not included on your policy.
Undeclared medical conditions
Medical claims may not be covered if you have not declared a condition when required, completed the relevant medical screening or told us about a change in health before travelling.
Known events or circumstances
Claims caused by circumstances you knew about when you booked your trip or purchased your insurance may not be covered if you could reasonably have expected them to result in a claim.
Travel against official advice
Cover may not apply if you travel against Foreign, Commonwealth & Development Office advice or fail to follow official health, safety or preventative guidance.
Unselected activities and upgrades
Higher-risk sports, winter sports, cruises and other optional activities may not be covered unless the appropriate cover has been selected, any additional premium paid and the option shown on your policy schedule.
Alcohol, drugs and illegal acts
Claims may not be covered if they result from excessive alcohol affecting your judgement, non-prescribed drugs, deliberate exposure to exceptional risk or an illegal or criminal act.
Planned or routine treatment
The policy does not cover trips taken to obtain medical treatment or the cost of routine, elective or non-emergency treatment that can reasonably wait until you return home.
This is not a complete list of exclusions
Cover limits, conditions and exclusions also apply to individual sections of the policy. Read the policy wording and your policy schedule carefully to make sure the cover is suitable for your trip.
