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Guide to Travel Insurance
Travel insurance can cover for a variety of different incidents, from lost luggage to sickness or injury. However, many people still travel without it, leaving themselves...
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Coronavirus help and support for our insurance customers
Adventure travel insurance for active holidays
Up to £5,000 cancellation cover, starting at the time of booking until you leave home to commence your trip. Covers cancellation due to injury, serious illness, death, jury service, posting overseas, FCO or WHO advice prohibiting all but essential travel and more.
Search and rescue or emergency transfer to hospital up to £50,000 if you are participating in an insured activity covered by your policy. Hospital in-patient cover up to limit shown on Summary of Cover. Accident cover for loss of limb, sight, permanent total disablement or death.
Our 360 Assistance Service offers online access to contact details for consulates and local medical facilities as well as the latest medical, political and security news. Simply register after purchasing your policy and sign up to alerts for specific countries you're travelling to.
Up to £2,000 cover for the replacement or repair of your baggage if it is lost, stolen, damaged or destroyed, or for the cost of buying replacement necessities if your baggage is delayed on outward journey for over 24 hours.
Pick the region(s) you'd like cover for:
Specify who needs to be covered:
Select from over 100 different activities covered, to determine which of our four levels of cover is most suitable for you (Level 1 = lowest risk, Level 4 = highest risk)
| Level 1 | Level 2 | Level 3 | Level 4 | |
|---|---|---|---|---|
| Bungee jumping (level of cover dependent on number of jumps) | • | • | ||
| Cycling | • | |||
| Fishing (level of cover dependent on body of water) | • | • | ||
| Hiking (level of cover dependent on altitude) | • | • | • | • |
| Horse riding (for leisure) | • | |||
| Jet Skiing | • | |||
| Kayaking | • | |||
| Quad biking | • | |||
| Outdoor rock climbing | • | |||
| Skiing (level of cover dependent on type of skiing) | • | • | ||
| Triathlon | • | |||
| White water rafting (level of cover dependent on water grade) | • | • |
This list is not exhaustive but is to give you an idea of the level of cover needed for common activities. We offer cover for over 100 different activities, which you'll be able to see in the policy wording or during the quotation process.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Claims for our sports travel insurance are handled by the insurer, Millstream Underwriting Limited. Therefore, claims will be processed by Millstream Underwriting Limited rather than Towergate Insurance.
A few keys things to bear in mind when making a claim on your sports travel insurance:
Claims must be submitted within 60 days of your return to the UK.
Original receipts and or proof of ownership and value must be provided for any items being claimed for.
Damaged items must be kept by you and if requested submitted to the Claims Handlers.
If any medical certificates, information, evidence and receipts, are required to support your claim, these must be obtained by you at your expense.
For further information on the claims process, please refer to page 35 of the policy wording.
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This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.
No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.
It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.
If for some reason we are unable to find you affordable travel insurance for your medical conditions, the Money Advice Service has introduced a service to help you.
If you need to speak to the Money Advice Service regarding travel insurance you can contact them online.
You can also see more information on OK to Travel.
No, you will need a separate policy to cover you against this.
Our insurance can cover a wide range of sports, from cycling to quad biking, but premiums will range according to the sports you need cover for. You will be able to find this out during the quotation process.
Our multi-trip policy can cover up to 17 days of cover for these activities per insurance year.
Unfortunately we can only offer sports travel cover to UK residents.
We can offer our annual multi-trip policy to people up to the age of 75 and our single trip policy to people up to the age of 80. Note that the maximum trip length for the multi-trip policy drops to 31 days (as opposed to 60 days), for policyholders over the age of 65.
Our multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.
If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.
We can cover people with many common medical conditions. An extensive list of medical conditions covered can be found in the policy wording. However, if you are unsure, please call the Medical Screening Service on +44 (0)330 660 0563.
You can cancel your policy within 14 days of receiving it, if you have not travelled, made a claim, or intend to make a claim.
If your holiday is cancelled due to reasons covered under your policy conditions, you may be able to make a claim. A number of covered reasons:
Please check the policy wording for further details on holiday cancellation cover.
Yes, the standard excess per claim is £150. Please note that a higher excess of £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service in Nepal.
Our sports travel insurance includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.
If you are travelling in the EU, you should obtain The European Health Insurance Card (EHIC) by calling +44 (0)300 330 1350 or apply at www.ehic.org.uk.
Yes, golf cover can be included in your policy as an add-on. This covers your golf equipment hire if your golf equipment is lost or delayed for at least 12 hours on your outward journey, as well as the value of the unused portion of your green fees if you have an accident, are ill, or your documents are lost or stolen which prevents you from playing golf.
We cannot include car hire excess cover as part of this policy. However, our sister company insurance4carhire offers single trip and annual car hire excess cover.
