Travel Insurance

No, once you have begun your trip you are generally unable to take out a policy. However, there may be exceptions, such as traveling to an airport, where you will be able to take out your policy before boarding your transport.

This will vary from product to product. In most circumstances you will not be able to, but there may be instances where you can for an additional fee. If your plans are flexible and may change, then an annual policy is often the better option for you as it will give you wider and longer cover.

We would always advise that you plan your trip, and any activities, in advance to ensure your holiday insurance is appropriate. If a change is possible there will likely be additional costs involved. Any changes will exclude any pre-existing incidents.

There will be various limits and excesses for each product, and your experienced adviser will talk you through these before making a purchase. Inevitably, cheaper products will have higher excesses and lower limits and it is worth considering if you could afford to pay a higher excess should a claim occur.

Most of our policies will provide cover for your pre-existing medical conditions but they must be declared accurately and in full. Complete our medical declaration, listing any conditions which need to be declared, and the price offered will be on the basis that the conditions declared are covered. There may be restrictions on cover if you’re on a waiting list, and most insurers will decline to quote if you’re suffering from undiagnosed symptoms.

Speak to us if you’re suffering with any undiagnosed issues or are awaiting investigations/treatments so we can provide you with bespoke options. Failure to accurately declare your medical conditions may result in your cover being void.