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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...

Patrick Ikhena
From the Travel team
3
minute read
posted 19 NOVEMBER 2019

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.

CORONAVIRUS UPDATE

As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
 
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
 
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
 
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
 
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.

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