Travel insurance
Travel insurance - The basics
- If you're looking for value for money travel insurance, we can give you an immediate quote online.
- Your holiday insurance can cover your partner or family, or just you.
- You can choose between a single trip policy or an annual multi trip policy.
- There are two different levels of cover: Travel and Travel Plus. Travel Plus has higher cover limits and extra benefits, such as pet cover and business cover.
- If you're over 65, or you or anyone travelling has a pre existing medical condition, we're sorry but we are unable to provide you with an online quote. You'll need to phone us and can find our telephone number on the contact us page which can be accessed from the right hand menu.
- We’re unable to offer cover for pre existing medical conditions unless they have been declared and accepted by the insurer.
- This travel insurance is arranged by Legal & General and insured by Europ Assistance Holding Irish Branch.
What's covered
- You can choose a single trip policy - where you give us specific start and end dates - or an annual multi trip policy where the cover runs for 12 months.
- You can extend your holiday insurance to cover your partner or whole family as well as yourself.
- There are two levels of cover to choose between: Travel and Travel Plus. This table shows you what's covered under the Legal & General Travel Insurance policy.
| Benefit | Travel | Travel Plus |
|---|---|---|
| Medical emergency and repatriation | £2 million | £10 million |
| Emergency dental treatment | £250 | £250 |
| Personal liability in total per policy | £1 million | £2 million |
| Cancellation/curtailment | £3,000 | £5,000 |
| Legal protection | £25,000 | £50,000 |
| Personal accident | £15,000 | £30,000 |
| Hospital daily benefit | £200 | £600 |
| Travel delay | £100 | £200 |
| Hijack and mugging cover | Not covered | £1,000 |
| Missed departure | £500 | £1,000 |
| Pet cover | Not covered | £2,500 |
| Optional cover | ||
| Personal baggage | £1,500 | £2,500 |
| Baggage delay | £100 | £100 |
| Money/documents | £250 cash, £800 documents | £250 cash, £800 documents |
| Passport | £300 | £300 |
| Business cover | Not covered | £2,500 |
| Optional winter sports cover | ||
| Cancellation/curtailment | £3,000 | £5,000 |
| Ski equipment lost/stolen | £500 | £500 |
| Ski equipment delayed in transit | £300 | £300 |
| Piste closure | £200 | £200 |
| Avalanche or landslide | £150 | £150 |
| Policy excess (where applicable) | £35 | £35 |
| Exclusions (annual policies) | Any single trip over 31 days and any period over 91 days in any 12 month period of insurance. Any one winter sports trip over 17 consecutive days if you select winter sports cover option. | Any single trip over 91 days and any period over 183 days in any 12 month period of insurance. Any one winter sports trip over 17 consecutive days if you select winter sports cover option. |
Before you decide to buy this travel insurance, you must read the policy summary (PDF 61KB) and the Travel Insurance policy (PDF 182KB) document, detailing cover, terms, exceptions and conditions.
The premium
The premium you pay will depend on:
- Whether you choose a single trip policy or an annual multi trip policy.
- How many people you need covered.
- Your destination.
- Whether you opt for standard Travel or the Travel Plus policy.
- The extra cover options you select, such as winter sports cover, which costs an additional premium if you're buying single trip cover.
Exclusions
There are some general exclusions you should know about.
For example, certain sports and activities, or claims arising from excessive alcohol intake. The full list of exclusions is printed in the Travel Insurance policy document and should be read before you buy.
Please can you bear in mind:
- If you fail to pay your premium you'll no longer be covered.
- You must give us accurate information when you apply for your policy or you could invalidate it.
- You'll have to pay the first £35 (the excess) of certain claims.
- You must live in Great Britain, the Isle of Man, Northern Ireland or the Channel Islands. You must be in a good state of health and fit to travel at the start of each trip.
- We're unable to offer cover for pre existing medical conditions unless they have been declared and accepted by the insurer.
We recommend that you take your policy document with you on holiday so you can check it if necessary. It contains emergency contact numbers and other guidance. You'll also find these numbers in 'How to claim' on the right hand menu.
Before you decide to buy this travel insurance, you must read the policy summary (PDF 61KB) and the Travel Insurance policy (PDF 182KB) document, detailing cover, terms, exceptions and conditions.
