Travel Time Travel Insurance

Call us on 0345 548 2122

Frequently Asked Questions

Please find below a range of frequently asked questions about TravelTime Travel Insurance.

If you can’t find an answer to your question, or would like some further information please call us on 0345 548 2122 or email us at

Does TravelTime Travel Insurance provide cover for pre-existing medical conditions?

Yes, we can cover a wide range of pre-existing medical conditions. Get a quote now by clicking here or call us on 0345 548 2122.

What is IPT?

IPT is Insurance Premium Tax. It is a government levied tax applicable to all policies and is at the rate of 20%. IPT is included in all of our prices..

What happens if I need to cancel my trip due to ill health or injury?

You are covered up to the amount shown in the policy wording Table of Benefits for cancellation in the event of illness or injury. Please see our Claims Information page for more details.

Is the country I’m travelling to classed as European or Worldwide?

Our geographical areas definitions are provided in the policy wording and there is also an information link next to the destinations drop down on our quote pages.

What is the Excess and Excess Waiver?

The excess is the first part of the claim that you are responsible for and is payable by you – these are shown in the policy wording Table of Benefits.

By purchasing the excess waiver option, the excess on the policy is reduced to £0 and you would therefore not be responsible for making a payment toward the claim.

Do you cover Repatriation?

Yes, repatriation is included under the Emergency medical and other expenses section of our policy. If you need to be repatriated back to the UK you must, in the first instance, contact the 24 hour Emergency Assistance Service which is operated by MAPFRE Assistance.

MAPFRE Assistance is available 24 hours a day, 365 days a year and the emergency telephone number is +44 (0) 20 7748 0513.

Are we covered if we travel separately on a joint annual policy?

Yes, adults who appear on a joint annual policy are covered if they take a trip on their own. Please note that children aged under 18 years old must travel with at least one insured adult.

Are my personal possessions and baggage covered?

Yes, your baggage, personal money and documents are covered up to the amount shown in the policy wording Table of Benefits. Please see our Policy Documents page for further details.

What do I need to do if my personal possessions are lost or stolen whilst I'm on holiday?

You must obtain a police report from the local Police in the country where the incident occurred. On your return home you should then contact the claims service. Please see our Claims Information page for more details.

Is scuba diving covered?

Yes, we can cover scuba diving up to a maximum depth of 18 metres provided that you are diving with a qualified instructor (or a buddy if already qualified).

Do I need to take all my policy documents with me when I travel?

We always recommend that you take your policy wording and schedule with you. If this is not possible you should at the very least make a note of your policy number and the emergency telephone number of the 24 hour Emergency Assistance Service operated by MAPFRE Assistance.

Can I travel if I am pregnant?

Yes, as pregnancy is not a medical condition you are able to travel. Airlines and ferry/shipping companies, including cruise liners, do have their own restrictions due to health and safety requirements so you should check with them or any other mode of transport you propose to take before you book. Please refer to our Policy Wordingfor further details or call us on 0345 548 2122.

How many times can I travel on a TravelTime Travel Insurance annual policy?

You can take an unlimited number of trips throughout the year on an annual policy, with a maximum trip duration of 45 days.

Do I need to tell you every time I travel on an annual policy?

No, you do not need to tell us each time you travel.

I am travelling today. Can I buy a policy?

Yes, you can buy a policy for travel today. You can get a quote and buy immediate cover by clicking here or alternatively please call us on 0345 548 2122.

Do your policies have a maximum age limit?

We can provide cover to individuals up to and including a maximum age of 75 years for single trip policies. Our maximum age for annual policies is 65 years of age.

I am currently 75 years old but my 76th birthday occurs before I go on holiday. Can I still buy a policy and be covered?

Yes, you will still be covered as your age at the time of purchase determines your policy age.

What is the maximum trip duration on my annual policy?

Our annual policy offer cover for maximum trip durations of up to 45 days.

Does my annual policy cover me for skiing?

If you have selected the Winter sports option, then you are covered for winter sports up to a maximum of 17 days per policy year.

What is the maximum duration for a single trip policy?

The maximum duration for a single trip policy is 365 days for customers aged up to and including 60 years. For customers aged 61-70 years the maximum duration is 120 days. For customers aged 71-75 years the maxiumum duration is 40 days.

Do you sell group travel insurance policies?

Yes, we do. Please call us on 0345 548 2122 or email us at

Is your travel insurance only available to UK residents?

Yes, we can only provide you with cover if you are permanently resident in the United Kingdom: England, Scotland, Wales, Northern Ireland, Channel Islands, Isle of Man and are registered with medical practitioner in the United Kingdom. Your main home must be in the United Kingdom and you must not have spent more than 6 months abroad in the year prior to purchasing this policy.

Is off piste skiing covered?

Yes, off piste skiing is covered as long as you are under the supervision of a qualified guide or instructor.

Do you have an age restriction for winter sports travel insurance?

We can provide cover for winter sports to customers aged up to and including 65 years.