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Travel Insurance

Relaxing or adventurous? We provide travel insurance with a choice of cover options.

  • Choose from single trip or annual multi trip cover
  • Planning an adventurous activity? Give our team a call to see if we can cover it
  • Four levels of cover available - select the level that meets your travel needs

Get a travel insurance quote and buy online

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Features of our travel insurance include:

Single or annual multi trip cover

Choose from single trip cover if you’re planning on a one off break, or you need cover for up to 365 consecutive days of touring the world. Alternatively, you can opt for our Annual Multi Trip policy which will cover up to 62 consecutive days and for as many adventures as you'd like during the policy term.

Additional extensions

Should you require it, you have the choice to add on some additional extensions to your single or annual multi trip cover for an additional premium. Whether it’s a skiing holiday, a golfing or fishing trip or you require additional cover for your wedding overseas, you’ll have the option to add some additional cover and tailor the policy to suit you.

Additional sports and activities

We cover a variety of adventurous sports and activities from alligator wrestling to shark diving to bungee jumping. Whatever the activity we’re pretty sure we can cover it – just give us a call to find out.

Emergency medical treatment and expenses

Cover is included for medical expenses including repatriation under the SunWorld policies and you can get cover for up to £15 million for Medical Emergency and Repatriation Expenses. An excess may apply but we do recommend you to get an EHIC card to allow you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In Australia you must enrol with a local MEDICARE office after the first occasion you see medical treatment and make sure you call the Emergency Claims Assistance Service for guidance. All claims are handled within the UK.

Travel Insurance Claims

Claims for Towergate travel insurance through Sykes Cottages or Holiday Cottages

If you bought your insurance in 2019

If you need to cancel your trip and want to submit a claim for your travel insurance policy policy bought in 2019, please download and complete our claims form and email it to

If you bought your insurance in 2020

If you need to cancel your trip and want to submit a claim for your travel insurance policy policy bought in 2020, you will need to download and complete this ERGO claims form, and send to them directly as stated.

Claims for Towergate travel insurance through Specialist Leisure Group

See our FAQs for Specialist Leisure Group customers.

Claims for policies bought before 15 January

Call us on:

(+44) 0203 829 6761

The team is available from 8:30am to 6:30pm Monday to Friday.

Alternatively you can email the team: or find a claims form online here:

Make sure you include: your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

Claims for policies bought after 16 January

24-hour number for medical emergencies

When you are in hospital, ring our 24-hour emergency assistance service on +44 (0)1473 351757.

Other claims

For other non-emergency claims such as lost baggage, cancellation or claiming for medical expenses when you are back in the UK, call +44 (0) 345 850 5193 Monday-Friday 8am-6pm and Saturday 9am-12pm.

Travel Insurance Articles & Guides

Read more travel related content:

Guide To Travel Insurance


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...

View article


How to Protect Your Home While You're Away

Unoccupied home insurance requires that the property looks ‘lived in’ even when it isn't, likewise we don’t want to advertise our absence when we’re away on holiday to potential thieves. We've look into the useful tips you can use to secure your home while you’re away.

Travel Insurance FAQs

What if my baggage doesn't arrive?

You’ll need to notify the airline within 24 hours and obtain a Property Irregularity Report (PIR) or its equivalent. Keep hold of your tickets and any luggage tags too. Following a delay of at least 12-hours, if you have needed to purchase essential items, please retain all receipts to help substantiate reimbursement.

I want to take my laptop/tablet when I travel - is this covered?

Limits range between £200 to £500 pounds and are dependent on cover levels. Tablets are covered on the Premier/Premier Plus products.

What do I need to do if I fall ill abroad?

Please contact the appropriate claim details above.

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