Travel insurance FAQs
Travel insurance FAQs
Wondering what type of travel insurance to get and how it all works? Maybe you’re considering spending a little more on family travel insurance and you need some information? We answer some of your travel insurance FAQs...
Do I need travel insurance?
Travel insurance isn’t a legal requirement, but it’s strongly recommended. So it’s worth doing a bit of research before you travel.
On 7 September 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.
If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.
For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.
For more information, please see our coronavirus and travel insurance page.
Why is travel insurance a good idea?
One of the biggest reasons for getting travel insurance is for medical care cover – in the event that you or a family member becomes ill abroad. But it will also help protect you from life’s other little surprises, like a cancelled or delayed flight, and stolen, lost or damaged baggage.
What type of travel insurance cover is right for me?
It really depends on where you’re going, how long you’re going for, what you’ll be doing and if you have any pre-existing medical conditions. In this last instance, you’ll need to declare any conditions when you’re shopping around for a travel insurance quote. Our guide to finding the right travel insurance should help you navigate what’s on offer, so you can find the best policy to suit your needs.
My child is travelling for a student exchange programme; what insurance will they need?
It depends on what activities they’ll be doing while they’re away. Will they be working? Will they be travelling? And also, how long will they be away for?
Start by checking whether your child’s university or college has insurance in place already, then take it from there.
Do I need travel insurance for my family?
Insurance is strongly recommended, and it can be easier to take out a policy that covers everyone. Our guide to family travel insurance gives a bit more information on the process and the benefits of travel insurance that covers the whole family.
Does family travel insurance cover us if we live at separate addresses?
You’ll need to check exactly what your policy states. Some will only cover children (or step-children) if they live with the policyholder. In other words, if you’re no longer all living at the same address, your existing policy might not cover every family member travelling with you. If you’re not sure who’s covered, check your policy documents and read our guide to family travel insurance after separation.
What’s the best student travel insurance for a young student travelling abroad?
As always, it depends on what you’ll be doing, for how long and where. Our guide to finding the best travel insurance for your gap year gives you all the information you’ll need to choose the right policy for you.
I have a pre-existing medical condition; how does this affect my travel insurance?
It depends on what the condition is but, in some cases, you could be charged a slightly higher premium. Annoying as that might be, it’s important to disclose any pre-existing conditions – otherwise it could invalidate your policy. Find out about the importance of comparing travel insurance for pre-existing medical conditions with the help of our simple guide.