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Frequently Asked Questions



1. Can I elect not to include cover for my existing health conditions?

Using our BIBA endorsed HOLIDAY PLUS insurance product, you can chose not to insure pre existing health conditions without prejudicing your ability to arrange cover for your trip. Any conditions that are not disclosed will not be covered.

2. Do I need to go through a medical screening?

You will need to check the requirements of all products by reviewing the relevant summary of cover. Do check the main health exclusions to make sure that your circumstances are not excluded. Some products may require screening for any trips, please check the summary of cover pages. Our BIBA endorsed HOLIDAY PLUS product offers you the choice to declare conditions or leave them excluded.

3. Do I need to see my doctor before I travel?

If you have a pre existing illness and want to make sure that it is covered, you may need to make an appointment to see your GP and seek confirmation that you are fit to travel on the specific trip and that such confirmation is recorded on your notes. Written confirmation is not always essential. You do not need to tell us that you have done it.

4. What kind of medical conditions are automatically excluded?

Under most travel policies you will find that they do not cover claims arising from any Terminal Illness. Neither may they cover conditions that have been diagnosed in the last 12 months (prior to buying the insurance) or from any condition that has been subject to any intervention or procedure. Also excluded are conditions for which you are on a waiting list or are awaiting results of tests or is as yet undiagnosed. Do check the summary pages to the left for a full description of the cover provided. Our FREE SPIRIT product is most likely to be able to cover more complex health conditions.

5. Can I insure for a Cruise?

We offer a range of products, some that include cruises automatically and others that may require a small additional premium. You should check the relevant summary of cover pages for full details.

6. How can I extend my existing insurance?

If you are insured with us for your trip and need to extend the period of insurance as you have extended your travel, you need to contact us in good time by email or phone. We will need to take some basic details and can then confirm the price. We will then need to email details to you and seek an email response to confirm your instructions. We can then take payment and alter your policy. A new schedule will be emailed to you to confirm.

7. How do I renew my Multi Trip insurance?

We will send you an email using the email address that you used when buying the insurance, inviting you to renew your insurance. This will be sent at least 1 month from your expiry date. There is no actual renewal process with this type of insurance so all you need to do is go online and buy another policy which will then run for a further full 12 months. If you applied by post originally, we will send you a renewal letter with a new form enabling you to apply for a further 12 months cover.