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...

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...

Josh Daniels
From the Travel team
3
minute read
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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 

The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

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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