Whatever your travel plans, make sure your covered


Cover in the event of a military call up


Cancellation & curtailment cover (returning home early from a trip), up to £4,000


Optional winter sports cover

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Important information regarding pre-existing medical conditions

The policy does not provide cover for pre-existing medical conditions. Please see the “important conditions relating to health” section of the policy booklet for more information. The policy booklet can be found at the bottom of this webpage.

If you or anyone to be insured require a travel insurance policy which covers existing medical conditions, you can access a directory of travel insurance providers who may be able to offer cover. Please visit https://www.moneyhelper.org.uk/en/everyday-money/insurance/use-our-travel-insurance-directory.

Alternatively, you can call the Money Helper Customer Contact Centre which is available from Monday to Friday, 8am to 6pm on 0800 138 7777

-What is insured

  • Emergency Medical expenses abroad – up to £5m. Cover for emergency medical treatment, repatriation and the services of a medical assistance company
  • Cancellation or curtailment (returning home early) of a trip – up to £4,000. Cover for any non-refundable unused travel and accommodation costs if you have to cancel or cut a trip short due to certain reasons specified in the policy.
  • Personal Belongings – up to £2,000. Cover for your luggage and personal belongings if they are delayed, lost, stolen or damaged during your trip.
  • Missed departure, extra travel and accommodation expenses - up to £500.
  • Cover for additional travel and accommodation costs if you arrive too late to travel on your booked transport due to certain reasons specified in the policy.
  • Personal Liability up to £2m. Cover if you are legally liable to pay costs due to an accident that causes injury, death to a person or loss or damage to property.
  • Delayed departure – up to £100 if your trip is delayed by more than 12 hours for certain reasons, we will pay a benefit for every full 12 hours of delay.
  • Activity Equipment cover up to £1,000. Cover for the repair or replacement of your activity equipment, which is lost, stolen or damaged on your trip.
  • Personal Accident cover up to £25,000. Cover for accidental bodily injury within 12 months causes your death (up to age 65) or loss of limb, loss of sight or permanent total disablement.
  • Money and documents cover up to £500. Cover for loss and theft of your own money and documents.

-What is not insured

  • Cover for pre-existing medical conditions. Please see the “important conditions relating to health” section of the policy booklet.
  • Costs that you can recover from elsewhere.
  • Deciding you no longer wish to travel.
  • Travelling against medical advice.
  • Any claim related to an incident that you were aware of at the time you took out this insurance and which could lead to a claim.
  • Travelling against government advice.
  • An excess applies to some sections of the policy. This is the part of the claim you have to pay.
  • Any claim resulting from your participation or practise in professional sports or entertaining.
  • Any claim as a result of the insured person being under the influence of alcohol or any illegal drug.
  • Any claim arising from wilfully putting yourself at risk, suicide or attempted suicide or sexually transmitted disease.
  • Apart from section F (Emergency Medical and Other Expenses) and certain events under Section A (Holiday Cancellation or Curtailment Charges) this policy does not cover any claim arising directly, or indirectly, from any coronavirus disease (including but not limited to Covid-19).

Terms, conditions and exclusions apply, for example relating to pre-existing medical conditions. For full limitations see our T&Cspolicy wording.

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Sometimes a Group company may contact you by post or telephone. We will give you the opportunity to choose not to receive further information by that method at the time.

You can update your marketing preferences at any time by emailing nomarketing@forcesmutual.org or calling us on 0151 363 5290. You can also use these details to ask us to stop contacting you by post and/or telephone.

How we will use your personal data

PMGI Limited (Forces Mutual) is committed to respecting and protecting your personal data. This sets out what we will do with your information and the arrangements we will make to keep that information private and safe. It also explains your rights.

The information you have supplied will be used to contact you about your insurance requirements. To find out how else we may use your information, select the ‘How we will use the information we will collect’ link below.

Click on the links below to find out more:
How we will use the information we collect?
Who and why might we share your information with
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How long do we keep hold of your information?
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To view our full privacy policy click here

Policy Documents

It's important you understand all of the Key Information for Travel Insurance. We recommend you read the below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.

Travel Insurance IPID Travel Insurance Policy Booklet Terms of Business Agreement