Travel Insurance

Travel Insurance Covers

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

Travel Insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Astrenska Insurance Limited.
Visit our legal page for further details.

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 policy wording.