TravelTime Travel Insurance policies purchased from 00:01 on 17th March 2020 will not provide cover for claims directly or indirectly related to a pandemic and/or epidemic, notably at this time Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever called or any mutation of these.
This policy will also not provide cover claims relating to the fear or threat of pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever or any mutation of these.
This general exclusion applies to all sections of cover with the exception of Section B – Emergency Medical Expenses as long as, prior to your trip commencing, the Foreign and Commonwealth Office had NOT advised against all (but essential) travel to your intended destination.
Please see below our latest statement and key FAQs relating to the Coronavirus outbreak.
We are currently experiencing an unprecedented number of queries from customers who understandably would like to speak to us about how the coronavirus outbreak affects their insurance policy and travel plans. Please be assured that we are trying to answer as many phone calls and emails as quickly and efficiently as we can, although inevitably this is taking longer than it would do normally.
Therefore, we have created answers to the 5 main questions that we are being asked and we will continue to update these as and when there are any significant changes. Please read through this information before calling or emailing us as it will hopefully give you the answers you are looking for.
The latest travel guidance information from the Foreign & Commonwealth Office (FCO) can be found here
Your policy does not provide cover for cancellation due to a change in FCO travel advice and you will not be covered if you travel to a destination where the FCO has advised against cover. In the first instance, please contact your tour operator, travel agent, airline or accommodation provider. In most cases, your holiday or flights will not be operating and they will offer you an alternative trip or a full refund. If you are not going to travel and no longer need your policy we can provide a 100% refund if you cancel it (this applies to single trip policies only). Please send us an email if this situation applies to yourself.
Your policy will not cover you for disinclination (not wanting) to travel, so you cannot make a claim. Please contact your tour operator, travel agent, airline or accommodation provider to enquire about a possible refund or to change your trip dates. If you are not going to travel and no longer need your policy, we can offer you a 70% refund if you cancel it (this applies to single trip policies only). Please send us an email if this situation applies to yourself.
Yes, your policy will cover you for cancellation of your holiday if you are not medically fit to travel due to your ill health, illness, injury or accident before you go away. Please ensure that any pre-existing medical conditions that you have are declared on your policy. Full details and conditions can be seen in your policy wording. Information on how to make a claim can be found here
Yes, emergency medical expenses related to coronavirus will be covered. Please ensure that any pre-existing medical conditions that you have are declared on your policy. Full details and conditions can be seen in your policy wording. Information on how to contact the 24 hour emergency medical assistance service can be found here
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.
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.
You are covered up to the amount shown in the policy wording Schedule of Benefits for cancellation in the event of illness or injury. Please see our Claims page for more details.
For single trip quotes, please type the name of the country you are visiting. For annual multi trip quotes there is a destination information button on our quote pages. Our full geographical areas definitions are provided in the policy wording.
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 Schedule 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. Please note that the excess waiver does not apply to the Optional Gadget cover.
Yes, repatriation is included under the Emergency medical expenses & repatriation section of our policy. If you need to be repatriated back to the UK you must, in the first instance, contact the Medical Emergency Assistance Company.
They are available 24 hours a day, 365 days a year and the emergency telephone number is +44 (0) 20 3819 7170.
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.
Yes, your baggage, personal money and documents are covered up to the amount shown in the policy wording Schedule of Benefits. Please see our Policy Documents page for further details.
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 page for more details.
Yes, we can cover scuba diving up to a maximum depth of 30 metres provided that you are diving with a qualified instructor (or a buddy if already qualified).
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 Medical Emergency Assistance Company.
We do not class pregnancy as a medical condition but airlines, cruise liners and ferry companies will have their own restrictions due to health and safety requirements. You should check with them or any other transport companies you propose to use before you book. Please make sure that your G.P. and midwife are aware of your travel plans, that there are no known complications and that you are not travelling against any medical advice. A medical certificate may be requested to confirm this. Claims will only be paid due to complications of pregnancy, or where you were unaware of the pregnancy at the time of purchasing the insurance and you are advised not to travel by a doctor. Please refer to our Policy Wordingfor further details or call us on 0345 548 2122.
You can take an unlimited number of trips throughout the year on an annual policy, as long as you do not excess the maximum trip duration limit of the cover you have selected.
No, you do not need to tell us each time you travel, providing you are still travelling within the destination area covered by your policy. If you plan to travel to a different destination area please call us on 0345 548 2122.
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.
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.
Yes, you will still be covered as your age at the time of purchase determines your policy age.
Our annual policies have maximum trip durations of 31, 45 and 60 days depending on the level of cover you have selected. Please refer to our Policy Wording for further details or call us on 0345 548 2122.
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.
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 maximum duration is 40 days.
Yes, we do. Please call us on 0345 548 2122 or email us at email@example.com
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.
You must also:
Please note that your trip must begin and end in the UK; and any trip that has already begun when you purchase a policy will not be covered.
Yes, if you have purchased the Winter Sports cover off piste skiing is covered except in areas considered to be unsafe by local resort management and you are under the supervision of a qualified guide or instructor.
We can provide cover for winter sports to customers aged up to and including 65 years.
Up to £10 million
Emergency medical expenses
worldwide emergency assistance
Up to £4,000
Up to £2,000
* Cover limits are per person, per trip.