What does travel insurance cover when you're already abroad?
If you've forgotten to purchase cover prior to your trip don’t worry, we can provide travel insurance while abroad as long as you haven’t been out of the country for more than 17 days, and you haven’t purchased another travel insurance policy for the first part of your trip. We’ll be able to give you the peace of mind you need for up to 31 days from inception.
Sometimes medical emergencies can happen and it’s quite a daunting thought when you’re not in your home country. If you fall ill and require treatment at a hospital, the Emergency Medical Assistance helpline will help you locate the nearest suitable hospital. In addition, if another person is required to travel with you for medical reasons, then we will look at covering those additional travel and accommodation costs. Please note the helpline is only available to aid you in emergency situations.
Lost or stolen luggage is an unwelcome thought when you’re on your travels so it’s good to know you’ll have cover in place should you need it. It’s always best to prevent this from happening, so we’d recommend you always keep valuables locked in a safe and out of sight. If something has been stolen, make sure you notify the local police or airline within 24 hours of discovery.
Just like your personal possessions, we’d always recommend you keep your travel money on you or in a safe to prevent theft. However if you find yourself in the unfortunate situation where your travel money has been lost or stolen, ensure you report it to the Police within 24 hours of discovery and obtain a written report to support your claim.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
This policy is administered by Travel Insurance Facilities (TIF) and Union Reiseversicherung AG (URV). TIF have a specialist travel claims team, so it's the friendly team at TIF you'll speak to if you need to make a claim.
They’ll talk you through the details of your claim and advise you of the next steps in the process. If you’re claiming for any stolen property, make sure you have reported your loss to the Police and have obtained a written report and reference number - this will help with your claim.
We would also recommend you share your policy details with your next of kin, just in case they need to act on your behalf should you fall ill and you’re unable to make any contact with our claims team.
Get the ball rolling, call on:
The team are available from 9am-5pm Monday to Friday.
Make sure you include; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
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Yes. You can purchase a single trip policy providing you haven’t been out of the country for more than 17 days and you haven’t been insured for the first part of your trip. If you buy online, you’ll just need to tick the box that says ‘already travelling’.
The policy provides an Emergency Assistance Facilities service, offering a 24 hour advice line to support you in finding the treatment you need. Contact the advice line on 0203 829 6745. We recommend you keep this number handy when you’re travelling.
Yes. It’s really important to declare any pre-existing or reoccurring medical conditions. Use the online quote system or speak to an experienced member of the team to guide you through a quick medical screening process. We may be able to provide cover as this is assessed on a case by case basis with the confidential medical screening team.
Make sure you report it to the police within 24 hours of discovery, making sure you get a written report and crime reference number. If however some of your items are lost or are damaged during transit then retain your luggage tags and report it to the airline/rail company right away. If you find your luggage is delayed for more than 12 hours on your outward journey then you may need to purchase some essential items such as toiletries and a change of clothes – just keep your receipts and you’ll be able to submit a claim for up to £100.
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